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WCB 101: An Employers Guide to Injury Management
WCB 101: An Employers Guide to Injury Management
Record any reported workplace injury or illness and provide a copy of that record to the worker.
Details that must be recorded:
-name of the worker -date and time of the injury or illness -date and time it was reported to you -description of the injury or illness, where it occurred and the cause first aid provided -name and qualifications of the person giving first aid
Laura Pittman, BN RN OHNDirector of Operations West
Policies & processes Injury Management Questions & Answers
Sir William Meredith
Meredith Principles
Founder of WCB- 1914
5 principles
No fault insurance
Security compensation
Workers can’t sue employers in exchange for fair compensation. Employers will pay for system in exchange for liability protection.
This Photo by Unknown Author is licensed under CC BY-SA
Fully Funded, By employers & InvestmentsWill not run out of money to pay for claimsRemoves risk of Bankruptcy
Each board has complete decision making Removes need to sue for damagesBased on individual merits of claim
No Fault Insurance
This Photo by Unknown
Independent boardFairly responds to workers & employers
Employers Report
Complete Employer’s Report if the accident results in or is likely to result in:
•lost time or the need to temporarily or permanently modify work beyond the date of accident
•death or permanent disability (amputation, hearing loss, etc.)
•a disabling or potentially disabling condition caused by occupational exposure or activity (poisoning, infection, respiratory disease, dermatitis, etc.)
•need for medical treatment beyond first aid (assessment by physician, physiotherapy, chiropractic, etc.)
•incurring medical aid expenses (dental treatment, eyeglass repair or replacement, prescription medications, etc.)
•Report injuries within 72 hours (48 hr goal!)
•Failure to report injuries within 72 hours could result in a financial penalty
•Complete Employer Report WCB on-line or By fax only if no access to
• online service
•Report return to work within 24 hours
•
When in Doubt, Fill it out!
HSE Responsibilities
1. Record any reported workplace injury or illness
and provide a copy of that record to the worker.
Details that must be recorded:
-name of the worker
-date and time of the injury or illness
-date and time it was reported to you
-description of the injury or illness, where it occurred
and the cause first aid provided
-name and qualifications of the person giving first aid
Denial of WCB Claim
• Injury did not arise out of employment
• Diagnosis is for condition not caused by work
• Insufficient information to support an injury or illness occurred
• Claim not filed within 24 months of injury
• If denied Employee needs to apply for STD / LTD, or EI Sick benefits
Modified Work
The following conditions must be met:
• The work accommodates the worker’s medical restrictions so the worker can perform the duties without endangering his/her recovery or safety, or safety of others
• The work promotes the gradual restoration to the worker’s pre-accident level of employment
• The work must be a meaningful and productive part of the employer’s operations
• The work does not create financial hardship for the worker
Why Offer Modified Work?
• retain an experienced worker
• decrease your worker’s time away from work
• strengthen worker relations by showing an injury doesn't threaten job security
• boost worker morale
• maintain a reputation as a supportive employer
• increase the worker's independence
• reduce any additional hiring or training costs
• reduce costs associated with claims
Modified Work Opportunities
• Sedentary Office Duties
• Training Courses
• Light duties
• Assist new worker ; mentoring etc
Premiums
How claims affect your premium
Claim Type (within 3 years) Impact
No time lost, costs < $1400
No time lost, costs => $1400
Time lost claims (TL)
No impact
Costs included in your
experience rating
Costs included in your
experience rating
Costs are totaled and compared with the average costs of an
employer’s size and industry.
Employers with less than average costs receive discounts;
employers with higher costs receive surcharges.
WCB at a glance
http://www.wcbsask.com/understanding-the-wcb
New changes to cost relief, Psychological injuries
Stats at a glance
0
50
100
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250
300
350
400
450
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Underground mining Road Construction Residential Construction Manufacturing
Claim Classification
Loss Time NTL Avg Duration
2016 Injury Stats- SKIndustry Loss time Avg Duration Cost/claim 3 Year Total
Underground mining 13 92 28,475 85,425
Manufacturing 145 52 4,864 14,592
Residential Construction 268 70 8680 52,080
Road Construction 189 84 14,496 43,488
Road Construction
0
50
100
150
200
250
300
Back Hand eyes Head/Shoulder
Injuries by body type
Series 1
Mining SR
0
50
100
150
200
250
300
Chest Body System Hands
Injuries by body part
Series 1 Column1 Column2
Be Prepared!!!
This Photo by Unknown Author is licensed under CC BY-NC-ND
Robert Duhaime
“The WCB has accepted claims related to suicides at work. Sadly, it is not unprecedented.”-
Saskatchewan Workers' Compensation Board
Psychological InjuriesAll workers are covered as of 2013-directly indirectly exposed to trauma over course of employment.
All industries
Workplace bullying
Harassment
Unrealistic workload
Beyond scope of public perspective
You are responsible!!!
WCB Integrated Model
Highlight RTW process
Strong Safety Culture
Early Intervention
Pre Employment Screening
Modified work
Early Reporting
Is it reportable?
Injury Management
This Photo by Unknown Author is licensed under CC BY-NC-SA
Recordable Injuries/Guidelines
Only work-related injuries as fatalities, Lost Time, modified work, and Medical Aid cases
are considered recordable for benchmarking purposes.
•More than one follow-up visit to a doctor for minor cuts or burns is not recordable if
the second visit is simply for observation or to change an adhesive or small bandage. It
would be recordable, however, if any medical treatment were provided over and above
First Aid.
•If the examination revealed that no medical treatment was required, the case would
not be recordable.
•An injury or illness may progress from a lower category to a higher or more severe
category. It shall be recorded in the higher category only.
•Precautionary medical practices do not make a case recordable
Irrespective of where the signs and symptoms emerged, a case is recordable solely if a work event or exposure is a
perceivable cause of the injury/illness or of a significant aggravation to a pre-existing condition. To determine accurately
whether an employee’s illness is occupational in nature, it may help employers to ask the following questions:
•Has an illness condition clearly been established?
•Does it appear that the illness resulted from, or was aggravated by, suspected agents or other conditions in the work
environment (or have they been present)?
•Was the ill employee exposed to these agents in the work environment?
•Was the exposure to a sufficient degree and/or duration to result in the illness condition? – Employers should check
“Material Safety Data Sheets” for those substances suspected of causing the employee illnesses to verify the
relationship between the exposure and the resulting symptoms.
If in doubt of the nature of the employee’s injury or illness, the Employer is to complete a “WCB Employer Injury/Illness
Form”.
Cases are recordable where medical treatment was clearly required, but for one reason or another, was not actually
provided or was refused.
Injuries resulting from fractures are recordable because they are not minor in nature and ordinarily require medical
treatment" or involve restriction of work or motion.
Injuries that result in chipped or broken teeth are recordable because they typically require medical treatment'.
FIRST AID
NON RECORDABLE
No Treatment Case
NON RECORDABLE
Pre-existing Medical Condition
Pre-existing medical conditions do not determine
occupational relatedness. If an injury or illness related
to pre-existing medical conditions or non-occupational
related activities merely surfaces at work and there is
no initiating or contributing event, then the injury or
illness could be classified as non-occupational related.
lf it is not obvious as to whether the precipitating
event or exposures occurred in the work environment
or elsewhere, the employer must evaluate the worker's
work duties and environment to establish work
relatedness.
Cases are work-related if:
An event or exposure in the work environment either caused or contributed to the resulting condition
An event or exposure in the work environment significantlyaggravated a pre-existing injury or illness
Did the employee experience an
injury or illness?
Is the injury
or illness a new case?
Is the injury or
illness work-related?
Does the injury or illness meet the general recording criteria
or the application to specific cases?
Update the previously
recorded injury or illness
entry if necessary.
NO
YES
YES
YES
YES
Record the
injury or illness
Do not record the
injury or illness
NO
NO
NO
Injury Classification Standard
Recordable vs reportable
Early Intervention
Investigation Process
MODIFIED WORK
What is ISN?
Data Management Company Verify & review Safety, Insurance requirements Fee for Service Subscription
Grade
A/ B : Unrestricted access
C: Requires Approval by Site Manager to access
F: No GO. Potential to lose contract
When working with our clients on their ISNetworld® Compliance, we find that many of them have problems with their safety programs. Many contractors purchase
cookie cutter safety plans online just to be able to submit them to ISNetworld® but the plans are never actually properly customized to reflect their actual
operations or even implemented. This practice, while it may help you pass your initial review with ISNetworld®,
is not a good idea for the success of your company in the long run.
Figure out the safety requirements that are imposed by the owner operator you are seeking to get qualified
with and compare your existing safety programs against the requirements. You are basically doing an internal
audit to make sure your programs meet all of the requirements.
Make a list of the areas where you have gaps and determine what corrective actions are needed to
ensure ISNetworld® Compliance. It is important not to misrepresent training records or documents just to get
through this step.
Determine what safety programs are missing or need to be amended to comply with ISNetworld® requirements. Or if you have the necessary programs, make sure you
document the implementation of these plans.
Make sure the safety programs you develop for submittal to ISNetworld® accurately reflect your company's operations and address the relevant
hazards. A cookie cutter plan downloaded from the internet can be a good starting point but will need to be carefully reviewed and customized to fit your company.
Make sure you actually implement the safety programs you submit to ISNetworld®. A safety program that is just on paper does not do you or your employees any good,
and could end up hurting your company. You may be audited by the companies you do business with and
they will need to see evidence that any required safety programs or training were actually implemented by
your company.
Trouble Zones- ISN
Safety programs non compliant. Don’t use cookie cutter Safety policies! You must have a programSpecific to your company.
Make sure your insurance documents have correct name of Company. All documents must match In wording or it will be kicked back.
3 biggest areas for failure in RAVS: Ladder Safety, Hearing Conservation, Benzene Awareness
Common issues that result in Low Grades:
OSHA Recordables in last 3 years
TRIF higher than industry standard
Fatality in last 3 years
Failure to produce insurance certificates
Federal/OHS citation in last 3 years
ISN poor rating 1.5/5 stars by end user
Paper, Packaging & Building products only industry recorded growth In TRIF
Cross-Industry Analysis
Total Recordable Frequency (TRF)
Downstream Oil & Gas (Refining)
Mining
Upstream Oil & Gas (Onshore)
Midstream Oil & Gas (Pipeline)
Fertilizer Products
Chemical
Paper, Packaging&
Building Products
Utilities, Transmission,
Distribution & Power Generation
Manufacturing*
Food & Beverage
0 .00 0 .50 1 .00 1 .50 2 .00 2 .50
INCIDENT RATE PER 100 EMPLOYEES(TRF)
*Manufacturing includes Consumer Products and Steel & Metals
8 Contractor Performance Benchmarking by Hiring Client, Canada, 2016 Data //Cross-Industry Analysis An ISN Analytics™ Publication /Number 1709
IND
US
TR
Y
1.2 1
1.2 7
1.3 3
1.44
1.45
1.46
1.54
1.71
1.8 1
1.9 1
Cross-Industry AnalysisTotal Recordable Frequency(TRF)
Downstream Oil & Gas (Refining)
Mining
Upstream Oil & Gas (Onshore)
Midstream Oil & Gas (Pipeline)
Fertilizer Products
Chemical
Paper, Packaging&
Building Products
Utilities, Transmission,
Distribution & Power Generation
Manufacturing*
Food & Beverage
0 .00 0 .50 1 .00 1 .50 2 .00 2 .50
INCIDENT RATE PER 100 EMPLOYEES(TRF)
*Manufacturing includes Consumer Products and Steel & Metals
8 Contractor Performance Benchmarking by Hiring Client, Canada, 2016 Data //Cross-Industry Analysis An ISN Analytics™ Publication /Number 1709
IND
US
TR
Y
1.2 1
1.2 7
1.3 3
1.44
1.45
1.46
1.54
1.71
1.8 1
1.9 1
COMPANY SPECIFIC POLICIES
DO NOT BUY COOKIE CUTTER POLCIES
HEARING PROGRAM
STRONG SAFETY CULTURE
