7th annual lwmmi · • 20 percent of the u.s. population ‐60+ • 44 percent is over 45 years of...

7th Annual LWMMI Policyholder Conference

Chula Vista Resort and Water Park Wisconsin Dells, Wisconsin

April 28 and 29, 2016

The Aging Workforce – Strategies for Municipalities

Friday, April 29, 2016 9:00 AM – 10:00 AM

Presented By:

Twila Hurst, Loss Control Consultant, United Heartland

United Heartland is the marketing name for United Wisconsin Insurance Company, a member of AF Group. All policies are underwritten by a licensed insurer subsidiary of AF Group.

2016 LWMMI Policyholder Conference

“Aging in the Workplace –Strategies for Municipalities”

Twila Hurst, United Heartland Loss Control Consultant

• Financials‐ How claims affect premium.

• Aging Workforce‐ It’s impact on work comp

• Wellness Programs‐Why you need one!

• Engineering Controls – Reduce high force tasks

• Equipment Vendors – Talk with the Experts

Agenda

Interactive Poll

twilahurst342

Injury Type: Herniated Cervical Disk (Neck) Claimant Age: 52

Total Incurred: $128,000 Cause: MMH

Years of Employment: 27

Days Away From Work: 25

Accident Scenario #1

Impact on Workers’ Compensation Costs

Account Premium(W/ 1.00 Mod)

Claim Cost Point Increase in Mod

Additional Premium Cost(Year 1 + Year 2 + Year 3)

$30,000 $128,000 .45 $39,753

$60,000 $128,000 .28 $50,400

$90,000 $128,000 .23 $61,614

Injury Type: Torn Rotator Cuff Claimant Age: 38

Total Incurred: $100,000 Cause: MMH

Days Away From Work: 12 Years of Employment: 18






$30,000 $100,000 .23 $23,819

$60,000 $100,000 .15 $27,750

$90,000 $100,000 .13 $36,251

Injury Type: Occupational Asthma Claimant Age: 55

Total Incurred: $76,000 Cause: Occupational Illness

Days Away From Work: 16 Years of Employment: 10






$30,000 $76,000 .19 $19,877

$60,000 $76,000 .13 $23,009

$90,000 $76,000 .11 $29,595

12

Indemnity vs. Medical Only

Loss TypeTotal

IncurredLimited Loss

Year 1 Year 2 Year 3

Indemnity $6,656 $6,656 $6,419 $12,838 $19,257Medical Only $7,497 $2,243 $2,090 $4,180 $6,270

Cumulative amount of premium dollars paid

70% cost reduction for med only claims

B $5,614,156.72 Police

C $4,208,979.03 DPW

A $1,628,319.36 Fire

Answer

• 20 percent of the U.S. population ‐ 60+

• 44 percent is over 45 years of age.

What do we mean by “aging workforce”

Frequency & Severity by Age Group2011 to Present – Policy Years

$273,803

$2,802,677

$4,396,211

$10,597,155

$12,275,648

$3,323,615

$65,294

109

633

926

1079

1117

306

11 0

200

400

600

800

1000

1200

$0

$2,000,000

$4,000,000

$6,000,000

$8,000,000

$10,000,000

$12,000,000

$14,000,000

15 ‐ 19 20 ‐ 29 30 ‐ 39 40 ‐ 49 50 ‐ 59 60 or Older Invalid Date

Number o

f Claim

sTotal Incurred

Sum of Total Incurred Count of UH Accident Source Description

Frequency & Severity by Length of Service2011 to Present – Policy Years

$37,442

$793,085

$685,427

$657,093

$1,680,338

$3,728,874

$5,406,873

$17,313,833

$3,431,437

51105

74

146

246

478

649

1739

693

0

200

400

600

800

1000

1200

1400

1600

1800

2000

$0

$2,000,000

$4,000,000

$6,000,000

$8,000,000

$10,000,000

$12,000,000

$14,000,000

$16,000,000

$18,000,000

$20,000,000

<1 Month 1 ‐ 3 Months 3 ‐ 6 Months 6 ‐ 12Months

1 ‐ 2 Years 2 ‐ 5 Years 5 ‐ 10 Years 10+ Years (blank)

Number o

f Claim

sTotal Incurred

Sum of Total Incurred Count of UH Accident Source Description

• Weight

• Smoking

• Age

• Prior Knee Injuries

Victoria Silverwood and colleagues at the Arthritis Research UK Primary Care Centre at Keele University in Staffordshire, England

Knee Injury Risk Factors

• Overuse

• Smoking

• Shoulder arthritis

• Age

Shoulder Injury Risk Factors

What is unhealthy?

• Excess weight

• Smoking

• Stress

• Heavy alcohol consumption

• Other addictions

• Depression/Anxiety

• Cardiovascular Disease

• High Blood Pressure

• High Cholesterol

• Diabetes

What can we control?

• Excess weight

• Smoking

• Stress

• Heavy alcohol consumption

• Other addictions

• Depression/Anxiety

• Cardiovascular Disease

• High Blood Pressure

• High Cholesterol

• Diabetes

• Weight Management Programs

• Physical Activity Programs

• Tobacco / Smoking Cessation Programs

• Injury Prevention and Ergonomic Programs

• Substance Abuse Programs

• Cholesterol Management Programs

• Hypertension Management Programs

Wellness Program!!

Proactive efforts:

• Partner with a fitness center – discounts

• Provide EAP (Employee Assistance Program)

• Offer Incentives – reduce health care costs

Websites for Wellness

• http://www.infinitewellnesssolutions.com/free_wellness.htm

• http://www.cdc.gov/nccdphp/dnpa/hwi/resources/index.htm

YES!!!

Do wellness programs really work?

• Nurse Practitioner on site 4 hours a week.

• Physical Therapist on site 4 hours a week: early intervention

• HRA and Heart Calcium Screenings (CACS)

Village of Ashwaubenon

• Incentive programs

• Weight Loss competitions “Biggest Loser”

• Number of “Steps” contest

Incentive Prizes

Fit bit

Mini I‐pad

City of Waupaca

• Fit bit Challenge

• Health Bingo

• Heart Health Education

• The biggest success is 100% smoke free employee base!

Marshfield Utilities

• Increased Flexibility

• Improved Circulation

• Better Posture

• Stress Relief

• Enhanced Coordination

Benefits of Regular Stretching (Handout in Packet)

Benefits of Regular Stretching (Handout in Packet)

Financially, it makes sense to:

• Promote healthy lifestyles at home & work

• Invest in equipment to engineer out exposures

What makes “Cents” for your organization?

Manual Valve Opening Powered Valve Opening

Eliminate High Force Job Tasks

Manually Removing Grate Using mechanical equipment

Removing Storm Grates

Manual Brush Clearing Using a Bobcat

Brush Clearing

• Automatically loads and unloads patient

• Eliminates manual lifting

Stryker Power Loading Cot Fastening System

Job Safety Analysis (Identify & Eliminate Exposures)

Welcome Vendors!

• Vern Bigham http://www.bigseasylift.com/

• Landon Wallace of CPMG represents Hurco Technologies http://www.hurcotech.com/

Hydrant / Valve Exerciser

Products

Welcome Vendors!

• Doug Young‐ Hastings Airhttp://www.hastingsair.com/products/vehicle‐exhaust‐systems

http://www.hastingsair.com/products/ventilation‐equipment

http://www.hastingsair.com/products

Welcome Vendors!

Thank You!

Twila Hurst, R.T.R. (C.T.)

Loss Control Consultant

Milwaukee Region

[email protected]

Administered by United Heartland

Fire Departments – Reducing Back Injuries Related to Patient Handling

Our safety evaluations, reports and recommendations are made solely to assist your organization in reducing hazards and the potential of hazards and accidents. These recommendations were developed from conditions observed and information provided at the time of our visit. They do not attempt to identify every possible loss potential, hazard or risk, nor do they guarantee that workplace accidents will be prevented. These safety evaluations, reports and recommendations are not a substitute for ongoing, well-researched internal safety and risk management programs. This report does not warrant that the property inspected and its operations are compliant with any

law, rule or regulation.

U n i t e d H e a r t l a n d . c o m ■ 1 . 8 0 0 . 2 5 8 . 2 6 6 7 United Heartland is the marketing name for United Wisconsin Insurance Company, a member of Accident Fund Holdings, Inc.(AFHI).

All policies are underwritten by a licensed insurer subsidiary of AFHI. LC-1431a Rev. 12/15

Does your department face patient handling related injuries? In your industry, back and upper extremity injuries are the leading cause of workplace accidents. Many of these are directly related to handling patients at an emergency scene or simply a transport from one location to another. One way to reduce this injury exposure is to practice safe patient handling. Many of the patient handling techniques firefighters use today were taught to them years ago when the adage was, “this is the way we always do it”. In today’s world, equipment manufacturers have come a long way with cot safety, stair chair enhancements, lighter long boards and scoop boards. When purchasing new equipment, consider the many options available and the benefits they can provide by decreasing the physical workload. Immediate action can be taken to focus on injury prevention. Do the following: 1. List some patient handling tasks that are high risk for injury. 2. Break down each task step-by-step. Lay out how the process is currently done and then look for areas for improvement. What is best

practice? 3. Would some type of patient handling equipment provide assistance in this task? 4. Consider ergonomics while performing this task. Could body mechanics be improved? 5. If any areas for improvement are noted, use the information to train. Frequent trainings, multiple times per year, on brief topics/tasks are

more beneficial than annual refresher courses. The job requirements of Fire and EMS positions are physically demanding. If you hurt yourself, you limit your ability to serve the community and individual patients. One major injury can change your career and your personal lifestyle. Utilize the information in this article to familiarize yourself with equipment that is available to assist you. Refer to the reference section below for a list of websites containing various resources available to reduce injuries related to patient handling and transfers. Ergonomics for EMS – Solution Ideas for SPH http://hcergo.org/EMS%20and%20SPH%20-%20Solutions.pdf SPH & Training Program Information http://hcergo.org/EMS.htm#Guidelines0 http://www.orosha.org/grants/ff_ergo/index.html SPH Equipment Vendors http://ems.stryker.com/products/cot-fasteners/power-load http://www.stryker.com/en-us/products/PatientHandlingEMSandEvacuationEquipment/EmergencyCotsChairs/index.htm http://www.sandelmedical.com/products.asp?id=799 http://www.fernoems.com/ http://transaferamps.com/

http://hcergo.org/EMS%20and%20SPH%20-%20Solutions.pdf

http://hcergo.org/EMS.htm#Guidelines0

http://www.orosha.org/grants/ff_ergo/index.html

http://ems.stryker.com/products/cot-fasteners/power-load

http://www.stryker.com/en-us/products/PatientHandlingEMSandEvacuationEquipment/EmergencyCotsChairs/index.htmn

http://www.sandelmedical.com/products.asp?id=799

http://www.fernoems.com/

http://transaferamps.com/


Workplace Wellness Initiatives




All policies are underwritten by a licensed insurer subsidiary of AFHI. LC-2310c Rev. 12/15

In our fast-paced world today, many Americans spend over half of their waking hours at work. Health care costs are on the rise, and more Americans are leading increasingly sedentary or stressful lifestyles that contribute to unhealthy habits and health problems. A survey by the Centers for Disease Control and Prevention in 2011 found that the number of Americans who considered their health to be “good” or “excellent” decreased from 1997 to 2011 and discovered the following disturbing trends:

The prevalence of obesity among U.S. adults age 20 and over has increased over time, from 19.4% in 1997 to 28.7% in 2011.

The prevalence of diagnosed diabetes among adults age 18 and over increased from 5.4% in 1999 to 9.2% in 2010.

The percentage of adults who experienced serious psychological distress “during the past 30 days” has increased from 2007-2011.

The percentage of persons who failed to obtain needed medical care due to cost increased from 4.3% in 1999 to 6.9% in 2009 and 2010. According to the World Health Organization, the U.S. spent more on health care per capita ($8,608) and more on health care as a percentage (17.2%) of its gross domestic product (GDP) than any other nation in 2011. With rising health care costs comes a steady increase in the costs of health insurance and workers’ compensation insurance. However, healthy employees have fewer work-related injuries and return to work sooner because of shorter recovery times. Implementing an on-site wellness program makes good business sense and is not only good for your company’s bottom line, but the right thing to do. How Wellness Programs Benefit Companies Underlying employee health can affect work behavior and productivity, utilization of health insurance benefits and outcomes associated with a work-related injury or illness. According to a study from the National Institute for Occupational Safety and Health (NIOSH), it makes financial sense for employers to integrate health, safety and productivity management programs in order to improve the total value of human resource investments. The Wellness Council of America (WELCOA) states that the average annual per person cost of health care in the United States is $3,000, with lifetime costs somewhere around $225,000. “For many companies, employee medical costs can consume half of corporate profits or more,” WELCOA reports. Many large companies have found on-site wellness programs are the long-term answer to keeping employees well and keeping medical costs lower, including:

Du Pont: Saw each dollar invested in workplace health promotion yield $1.42 over two years in lower absenteeism costs. Absences from non work-related illness at 41 industrial sites with the program declined 14% as compared with a 5.8% decline at 19 sites without a wellness program.

Union Pacific Railroad: Had twice the national average in per employee health care costs. Began with a medical self-care initiative that cost $50 per employee annually and saw a net savings of $1.26 million. A voluntary employee health risk reduction program projected a cost-benefit ratio of 1 to 1.57 after one year.

Wisconsin School Districts: A medical claims-based study of 72,000 insureds in 285 districts showed a lower demand for medical services among those who had access to disease prevention and self-care programs. Reductions in medical services resulted in savings of as much as $4.75 for each $1 spent. (http://www.welcoa.org/worksite_cost_benefit.html)

Besides the benefit of health care cost containment, WELCOA has identified five other reasons for companies to implement a wellness program:

Reduced Employee Illnesses: Experts suggest preventable illnesses (those attributed to behaviors such as tobacco use, high-risk alcohol consumption, sedentary lifestyles and poor nutritional habits) make up 70% of U.S. total illness and health care costs.

Expanded Work Week: As Americans work more — the average is 47 hours per work week according to a Harvard University study – it may threaten their health and well-being.

Technology’s Side Effects: As computers, video games and technology lead to a more sedentary lifestyle, workers experience more problems with repetitive strain injuries and weight gain.

http://www.welcoa.org/worksite_cost_benefit.html






All policies are underwritten by a licensed insurer subsidiary of AFHI. LC-2310c Rev. 12/15 pg. 2

Stress Levels Are Increasing: Experts estimate the amount of information available to us is doubling every five years. In a recent poll, 78% of Americans report their jobs as being stressful and their stress level increasing over the last 10 years.

Increasingly Diverse Workforces: As today’s workforce sees more age, race and gender diversity, new health concerns and risk factors develop.

Most employers realize that their employees are their most valuable resource. When company decision-makers ask, “Can we afford to implement an on site Wellness Program?” they should really be asking, “Can we afford not to?” Wellness Committees Most companies find it necessary to form an employee wellness committee to provide guidance and support for the program manager. Wellness committees should include representatives from all levels or departments to fully integrate wellness into your organization’s culture. Consider recruiting people in the organization that have responsibility for some aspect of employee health or well-being (human resources, employee benefits, occupational health and safety, cafeteria), as well as facilities operations employees. Responsibilities of the wellness committee typically include:

Planning activities to promote good health for themselves and for their fellow workers.

Communicating information about known health risks and the value of wellness initiatives to employees.

Creating and maintaining open lines of communication between the wellness committee and employees.

Promoting participation in both individual and group activities.

Advocating for worksite policies and environments that support improved health.

Coordinating the monitoring and evaluation of the wellness activities/programs offered to employees.

Serving as a leader/champion for wellness activities at the worksite. Wellness Program Implementation An assessment should be done prior to implementation of any program to identify a worksite’s strengths and areas in need of improvements. The assessment can also serve as a baseline measure for any future evaluation. To collect data, WELCOA recommends utilizing the three primary sources:

Health Risk Appraisals: Provides an aggregate look at employees’ health status and helps determine the greatest risks.

Health Culture Audits: Assesses the organization’s overall culture as it relates to health and productivity. To learn more about these audits, visit the links below: o http://healthyculture.com/ o http://www.eatsmartmovemorenc.com/NCHealthSmartTlkt/1_docs/committee_workbook/CW_AppJ%20PolEnvSurvey.pdf o http://www.cdc.gov/nccdphp/dnpao/hwi/programdesign/healthy_days.htm

Employee Needs and Interests: Ensures employees are offered the programs and services that are important to them. To learn more, visit the links below: o http://www.welcoa.org/freeresources/index.php?category=11 o http://www.eatsmartmovemorenc.com/NCHealthSmartTlkt/1_docs/committee_workbook/CW_AppI%20EmpIntSurvey.pdf

As with any program, a long-term return on your investment or sustainable program will not be realized unless it is supported by your organization at all levels. Once you have this support, your efforts will go much further to ensure employee participation and establish an overall culture of wellness. Health and Wellness Program Resource Links

http://www.welcoa.org/freeresources/

http://healthyculture.com/

http://www.eatsmartmovemorenc.com/NCHealthSmartTlkt/1_docs/committee_workbook/CW_AppJ%20PolEnvSurvey.pdf

http://www.cdc.gov/nccdphp/dnpao/hwi/programdesign/healthy_days.htm

http://www.welcoa.org/freeresources/index.php?category=11

http://www.eatsmartmovemorenc.com/NCHealthSmartTlkt/1_docs/committee_workbook/CW_AppI%20EmpIntSurvey.pdf

http://www.welcoa.org/freeresources/






All policies are underwritten by a licensed insurer subsidiary of AFHI. LC-2310c Rev. 12/15 pg. 3

http://www.cdc.gov/niosh/twh/comprehensive.html

http://www.nlm.nih.gov/medlineplus/

http://www.wellnessproposals.com/health_fair_wellness_fair_planning_guide/activities_and_ideas.htm

http://theweightofthenation.hbo.com/themes

https://healthy.kaiserpermanente.org/health/care/consumer/health-wellness

http://www.healthypeople.gov/2020/topicsobjectives2020/default.aspx

http://www.heart.org/HEARTORG/

http://www.redcross.org/ Health and Wellness Training Resources Training is an important part of any safety program, and our staff can help by reviewing your training needs and offering consultation to improve its effectiveness. As outlined below, we also have video and online training resources available for customers who wish to complement their current training systems. The Lezage Training Center provides many safety training topics which can be utilized as individual training or presented to a group as a group safety training program. The training presentation can be completed in approximately 30 minutes and can be paused and restarted to allow for discussion points. http://afi.lezage.com/servreg01.cfm?DP=7 Lezage Online Safety Courses (Free, streaming video only)

Accident Investigation

Back Safety

Office Ergonomics

Office Safety

Shift Work Safety

Substance Abuse CLMI programs allow you access to CMLI Blue Prints© Safety Programs and Videos at a discounted rate. You keep the programs and videos; there is nothing to return. Full CLMI Programs include a binder, training presentation, written program template and videos. To order any one of the programs, log into our website at UnitedHeartland.com, select UH Client Services and select Safety Training. CLMI Video/Training Programs ($99+, DVD or streaming video)

Accident Investigation

Elements of Back Care – Health Care Version

Achieving a Drug-Free Work Environment

Stretching Out at Work

Office Ergonomics

Office Injury Prevention Contact your United Heartland Loss Control representative to discuss your current training needs.

http://www.cdc.gov/niosh/twh/comprehensive.html

http://www.nlm.nih.gov/medlineplus/

http://www.wellnessproposals.com/health_fair_wellness_fair_planning_guide/activities_and_ideas.htm

http://theweightofthenation.hbo.com/themes

https://healthy.kaiserpermanente.org/health/care/consumer/health-wellness

http://www.healthypeople.gov/2020/topicsobjectives2020/default.aspx

http://www.heart.org/HEARTORG/

http://www.redcross.org/

http://afi.lezage.com/servreg01.cfm?DP=7


Benefits of Regular Stretching




All policies are underwritten by a licensed insurer subsidiary of AFHI. LC-0236a Rev. 12/15

1. Increased Flexibility and Joint Range of Motion: Flexible muscles may improve your coordination and daily performance. May decrease risk of repetitive motion injuries and muscular micro-trauma.

2. Improved Circulation: Increases blood flow to muscles, bringing nourishment and removing waste by-products. This process speeds rejuvenation and healing of tissues.

3. Better Posture: Regular stretching keeps muscles from getting tight—which improves posture and minimizes aches and pains.

4. Stress Relief: Stretching, accompanied by deep breathing, loosens tense muscles and gets more oxygen into the bloodstream. This relaxes you and relieves stress symptoms.

5. Enhanced Coordination: Full joint range of motion improves balance. Tips for Safe & Effective Stretching

If you have any health concerns that may limit your ability to safely perform warm-up or stretching exercises, consult your physician before participation in a warm-up or stretching program.

Warm up before stretching (i.e.: short power walk, arm and wrist circles, work activity). Never stretch cold muscles.

Stretch in a safe area (i.e.: low traffic, away from machinery).

Stretch for at least 3-5 minutes before your shift starts, on your breaks and after your shift ends.

Stretch after a workout or rigorous physical activity.

Keep your movements gentle and breathe freely while you hold a stretch – don’t hold your breath.

Hold each stretch for 10-30 seconds, or 5-10 seconds with multiple reps.

DO NOT BOUNCE when you stretch – keep a static stretch!

Stretch to the point of tension, NOT pain.

Do not do any stretches that hurt, or that a medical professional has told you not to do.

Stay hydrated throughout the day – water is best!

Avoid caffeine and nicotine to help improve your circulation.



Our safety evaluations, reports and recommendations are made solely to assist your organization in reducing hazards and the potential of hazards and accidents. These recommendations were developed from conditions observed and information provided at the time of our visit. They do not attempt to identify every possible loss potential, hazard or risk, nor do they guarantee that workplace accidents wi ll be prevented. These safety evaluations, reports and recommendations are not a substitute for ongoing, well-researched internal safety and risk management programs. This report does not warrant that the property inspected and its operations are compliant with any



All policies are underwritten by a licensed insurer subsidiary of AFHI. LC-0236a Rev. 12/15 pg. 2

Hold arms down at sides

and gently shake out the hands.

With fingers apart and wrists straight, bend fingers

at middle knuckle until you feel a stretch.

Spread fingers apart until you feel a stretch in the

hand.

Straighten arm in front of

you. Gently pull hand back toward you until you feel a

stretch. (Repeat – other

side.)

Straighten arm in front of

you. Gently push hand down until you feel a stretch. (Repeat – other side.)

Hold arms straight down at sides. Make gentle fists and

curl hands in at wrists until you feel a stretch in tops of

your forearms.

Sample Stretches Hands: Wrists/Forearms:







Straighten arm down at side and GENTLY pull or tilt head toward opposite shoulder. (Repeat – other

side.)

Straighten arm across chest and gently pull arm

toward you with your opposite arm until you

feel a stretch. (Repeat – other side.)

Straighten arm against stationary

object/ wall. Push gently against object

as you turn slightly away until you feel a

bicep stretch. (Repeat

– other side.)

Clasp hands over your

head, keep back straight,

and bend gently to the side until you feel a stretch.

(Repeat – other side.)

Clasp hands in back of you,

pull shoulders back, and

raise hands up until you feel a stretch in the chest.

Sit on ground or in chair

and hug one leg in/ up to

your chest until you feel a low back stretch. Put head

down and pull shoulders forward for upper/ full back stretch.

Arms/Shoulders/Neck: Chest/Side/Back:







Put one leg straight out in front of you while

pushing your butt back

(like sitting in a chair) until you feel a stretch

in the back of the straight leg. Rest hands

on bent leg or stationary object for balance.

(Repeat – other side).

Push against a stationary object/ wall and straighten one

leg behind you. Press heel

down until you feel a stretch in the calf and ankle. Bend that

same knee and lift heel while keeping toes on ground to

stretch your foot. (Repeat – other side).

Lean against a stationary object/ wall. Bend opposite

knee and gently pull up/ back

on leg while keeping back straight until you feel a stretch

in the front thigh. Tuck hips forward for a deeper stretch to

the thigh. (Repeat – other side).

Legs/Feet:

7th annual lwmmi · • 20 percent of the u.s. population ‐60+ • 44 percent is over 45 years of...

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