Oonce workers reach 35 years old, the costs of their injuries are very similar to older workers.
Photo credit: FreeDigitalPhotos.net
The average daily temporary benefit payment increases with age, and those 35 and older are very close to each other.
Photo credit: NCCI
This graph shows the share of all permanent partial, temporary total, and medical-only claims for the two age groups.
Photo credit: NCCI
The workforce is getting older. People are retiring later in life than ever before. This trend has been a major concern for those in the health and safety field because the common knowledge has been that older workers are more prone to suffer very expensive injuries.
However, new research from the National Council on Compensation Insurance (NCCI) has cast doubt on this conventional wisdom, or at the very least potentially changed the definition of “older workers”.
NCCI studied different age groups and the rate at which they get injured. They found younger workers (under 35) had substantially more cuts on their fingers and older workers (over 35) suffer more cases of carpal tunnel and more cervical injuries, although the numbers are startlingly similar.
So, that quiets the argument about the aging workforce causing more injuries, but what about cost? The research shows that there is a substantial cost difference between younger and older workers, but the split isn’t necessarily where you might expect it.
Workers between the ages of 20 and 24 create much lower costs (and fewer days out), but once workers reach 35, the costs of their injuries are very similar to older workers.
What does this all mean? To start with, it now largely redefines an “older worker” as someone who grew up listening to disco instead of Elvis. This means that someone over 35, not just someone belonging to the traditional “over 65” group, is now being classified as an “older worker.” It should also prompt businesses to strongly focus on the things that can reduce injury costs for everyone.
Injury prevention starts at the job description
Injury prevention for employees should begin before they even become employees - during the hiring process. Start with a written functional description for the position that is open. Once that is complete, it is critical that the candidate you select be given a conditional offer of employment. This document is a bona fide job offer with the caveat that you can withdraw the offer if they are physically or mentally unable to do the job with reasonable accommodation.
Once this is complete, have the candidate go to the doctor and complete a post-offer, pre-placement medical questionnaire. Having this completed allows a physician to ask questions relevant to the job and to let the employer know whether or not the candidate is fit for the job. If they are, it’s time to get started. If not, you’ll have to find another suitable candidate.
Once an employee is on the job, it is critical that they are always mindful of how they are doing their job. Far more injuries are caused by unsafe acts by employees than any unsafe conditions in their workplace. Employees that feel rushed are more likely to set safety aside in the name of meeting a deadline, and those decisions result in accidents that could have been prevented.
When an accident does happen
When you take all these steps and have a workforce that is fit for work and doing their job safely, then the focus turns to what happens when an accident does happen and an employee is injured.
Employees must know before they get hurt who they should talk to when they suffer an injury. Immediate injury reporting is a key to keeping injury costs as low as possible. Studies have shown that the costs of an injury go up when there is a delay in reporting. Make it your policy that any employee injury is reported before the end of the shift.
Once the injury is reported, getting the proper treatment is key.
Your business should have a relationship with an occupational medical provider in your area. You can find board certified occupational doctors on the web at acoem.org. Even if there isn’t an occupational medicine specialist in your town, you can develop a relationship with a physician and send your injured employees to that doctor.
The goal of having a relationship with a WorkComp specialist medical provider is to ensure that the doctor knows your business and the physical demands that your employees are under. They should also have a good knowledge of the transitional work that you have available. When a doctor knows that you will accept an employee back to work on transitional duty, they are far more likely to send them back to work rather than send them home to sit on the couch and watch infomercials for attorneys at 1-800-SUE-THEM.
When an employee is at work, they are less likely to hire an attorney and more likely to work hard to get back to their full duty position. This process not only gets employees back to work more quickly, but it also reduces the amount of money that the insurance company spends on your employee injuries, reducing your experience mod and therefore your workers’ compensation insurance costs.
The workforce is getting older and we need to be mindful of accommodations that older workers may need today that they didn’t need before. However, this new research from NCCI should sharpen employer’s focus on what can drive down injury rates and costs, like hiring the right people, training them to do their jobs safely and when accidents do happen make sure they are reported immediately and treated by a skilled physician who will send them back to work, rather than send them home.
If employers follow those steps, having older, experienced workers on the payroll can be a great asset rather than a potential liability.
Kevin Ring is the Director of Community Growth for the Institute of WorkComp Professionals, which trains insurance agents to help employers reduce Workers’ Compensation expenses. A licensed property and casualty insurance agent, he is the co-developer of a new Workers’ Comp software suite that will help insurance professionals in working with employers. He can be contacted at 828-274-0959 or Kevin@workcompprofessionals.com.