Target Your Biggest Workers Compensation Claim Type

Target Your Biggest Workers Compensation Claim Type

The National Council on Compensation Insurance’s (NCCI) 2010 analysis of claims and trends revealed a success story. The report, published August 2011 by NCCI, is entitled, “Workers Compensation Claim Frequency.” As more and more U.S. workers began using computer keyboards in the 1990s, the frequency and problem of Carpal Tunnel Syndrome (CTS) became a fast-growing source of Workers’ Compensation (WC) claims throughout the U.S.

Insurance companies sought to slow this trend and reduce the number of CTS claims. They and consultants began targeting the ergonomics of work station design and other conditions that were believed to lead to CTS, providing employers and individuals with measures one could take in the work place to prevent or significantly mitigate the development of CTS. Did all this time and attention to targeting CTS pay off for the insurance companies and employers?

Well, according to the report cited above, the frequency of Carpal Tunnel Claims has declined a successful 47% from 2005 to 2009. Virtually every type of business has the potential for some form of repetitive motion injury or for a similar problem area (e.g., back claims for commercial drivers) that affects a large number of employees. This CTS example shows that focusing on specific operational or procedural environmental issues can yield dramatic results in reducing workers’ compensation claims. The employers who implemented the preventive CTS measures, such as more ergonomic equipment and conditions for their workers, received a reward for their investment. Their efforts reduced costly WC claims and increased worker productivity.

Coordinating the development of targeted loss control and claims reduction programs requires expertise and can be tremendous work. Cavignac and Associates has expert experience with designing and implementing such programs and we provide this as a service to our clients. Just as Carpal Tunnel Syndrome claims were targeted for reduction by multiple parties to the Workers’ Compensation system, and those efforts produced great outcomes, you can rely on Cavignac and Associates to help you identify and attack potential systemic issues in your workplace environment and reduce your long-term Workers’ Compensation costs.