ACCIDENTS COST EVERYONE

ACCIDENTS COSTS Direct Costs Medical Compensation Time lost from work by injured worker Loss in earning power Economic loss to injured’s family Lost time by fellow workers Lost time by supervision Cost of breaking in new workers Damage to tools and equipment Down time for damaged equipment Loss of production Failure to fill orders Overhead cost (while work is disrupted) Indirect Costs “Iceberg Effect”

ACCIDENTS COST EVERYONE Accident costs are never seen by the employee, but are important to everyone, none the less. DIRECT COSTS=“OBVIOUS” INDIRECT COSTS=“MISSED” AND THE REAL BAD NEWS, THE INDIRECT COSTS ARE USUALLY 10 TIMES THE DIRECT COSTS.

ACCIDENTS COST US ALL $0.00 $100, $200, $300, $400, $500, $600, $700, $800, Qtr Direct Cost Indirect Cost Total Cost

ACCIDENTS COST US ALL b We all have a part in reducing costs. b We all have a responsibility b We can all benefit from a safe workplace.

BUSINESS IS MONEY IF DIRECT + INDIRECT ACCIDENT COSTS MAKE UP THE TOTAL ACCIDENT COSTS, HOW DOES THIS RELATE TO THE BOTTOM LINE? THIS IS A BUSINESS, AND MUST MEET FINANCIAL OBJECTIVES TO EXIST. PROFIT = INCOME - EXPENSES EXPENSES=INVENTORY+COST OF DOING BUSINESS TOTAL ACCIDENT COSTS IS A COST OF DOING BUSINESS

THE TRUTH WHEN THE COST OF DOING BUSINESS EXCEEDS INCOME, ITS CALLED BANKRUPTCY.

THE OTHER TRUTH b SAFETY IS THE EASIEST WAY TO MAKE MONEY. b BY AVOIDING LOSSES, YOU AVOID ALL THE DIRECT AND INDIRECT COSTS. b NO OTHER SINGLE ACTION CAN SAVE AS MUCH MONEY. b WE CANNOT DO ENOUGH BUSINESS TO MAKE THE SAME PROFITS.

THE QUESTION b HOW MUCH BUSINESS MUST WE DO TO MAKE UP FOR $1 MILLION IN ACCIDENT COSTS AT 10% PROFIT? b HOW ABOUT $10 MILLION, JUST TO MAKE UP FOR ACCIDENT COSTS ALONE. b THIS DOES NOT COUNT FOR SALARIES, OVERHEAD, OR EVEN INVENTORY.

ACCIDENT PREVENTION WHAT YOU CAN DO TO AFFECT THE BOTTOM LINE.

WHAT CAN YOU DO? b IF ACCIDENTS DON’T HAPPEN, THEY DON’T COST ANYTHING. b 95% OF ALL ACCIDENTS ARE THE RESULT OF PEOPLE. b 5% ARE THE RESULT OF EQUIPMENT OR ACTS OF GOD!

ACCIDENTS JUST HAPPEN! NO, THEY DON’T! b PERSONAL ISSUES b NOT FOLLOWING RULES b GETTING IN A HURRY b LACK OF TRAINING b HORSEPLAY b ON PURPOSE

FOR YOUR OWN SAKE b THINK ABOUT THE JOB b FOLLOW RULES b TAKE THE TIME NECESSARY b ASK FOR HELP b DO MY JOB PROFESSIONALLY b WITH HONESTY THE JOB YOU SAVE MAY BE YOUR OWN

IF AN ACCIDENT HAPPENS WHAT TO DO, WHEN TO DO IT!

IF YOU ARE HURT AT WORK b REPORT IT IMMEDIATELY, OR AS SOON AS POSSIBLE! b GET MEDICAL ATTENTION, b FIRST AID CURES 90% OF ALL INJURIES. b FILL OUT THE FORMS b FAILURE TO FOLLOW RULES IS GROUNDS FOR DISCIPLINARY ACTION!

Accident and Injury Report Forms Employer’s First Report of Injury Supervisors Report Documented Accident Investigation Pictures Witness Reports How to Keep This From Happening AGAIN

AFTER YOU ARE HURT AT WORK WHAT TO DO, WHEN TO DO IT, WHAT TO EXPECT

STEP 1 b IF YOU ARE INJURED AT WORK, YOU FALL UNDER THE TDI RULES. THEY HAVE JURISDICTION.THEY HAVE JURISDICTION. THEY HAVE RULES.THEY HAVE RULES. THEY DICTATE THOSE RULES TO EMPLOYERS AND INSURANCE COMPANIES.THEY DICTATE THOSE RULES TO EMPLOYERS AND INSURANCE COMPANIES.

Texas Dept of Insurance RULES b IF YOU ARE INJURED THROUGH A “WORK RELATED” INJURY: FOLLOW DOCTORS ORDERS.FOLLOW DOCTORS ORDERS. BENEFITS ARE DICTATED TO THE DOCTOR.BENEFITS ARE DICTATED TO THE DOCTOR. THESE ARE DICTATED BY LAW, NOT LAWYERS.THESE ARE DICTATED BY LAW, NOT LAWYERS.

MEDICAL RULES b MEDICAL COVERAGE PER SCHEDULE FOR DOCTORS AND RX. b PER DOCTORS ORDERS. b CAN BE TERMINATED FOR: FAILURE TO TAKE “LIGHT” DUTY OFFERS.FAILURE TO TAKE “LIGHT” DUTY OFFERS. FAILURE TO MAKE APPOINTMENTS, ETC.FAILURE TO MAKE APPOINTMENTS, ETC.

BENEFITS ARE: b AFTER MISSING 1 FULL WEEK OF REGULAR WORK, YOU ARE ELIGIBLE FOR: 66 2/3% OF YOU AVERAGE WEEKLY WAGE, STARTING THE 2ND WEEK.66 2/3% OF YOU AVERAGE WEEKLY WAGE, STARTING THE 2ND WEEK. MAY COVER 1ST WEEK STARTING 4TH WEEK.MAY COVER 1ST WEEK STARTING 4TH WEEK. NEVER WAS DESIGNED TO PAY YOU FULL PAY, JUST LIMP THROUGH.

IF YOU DON’T LIKE SOMETHING: b CHANGE DR’S, WITH TDI PERMISSION! b DON’T LIKE TREATMENT, CALL TDI. b EVERYTHING FOLLOWS TDI GUIDELINES, b DR’S AND EMPLOYERS HAVE VERY LITTLE CONTROL!

DOCTORS MUST: b HAVE PRE-CERTIFICATION FOR SOME PROCEDURES FROM TDI. b FOLLOW TREATMENT GUIDELINES. b FOLLOW FEE SCHEDULE

LIKE LAWYER COMMERCIALS? b THEY THRIVE BECAUSE EMPLOYEES THINK: THEY CAN GET BIG SETTLEMENT-NO.THEY CAN GET BIG SETTLEMENT-NO. EVERYTHING PER A SCHEDULE SET BY TDI.EVERYTHING PER A SCHEDULE SET BY TDI. EVEN DEATH.EVEN DEATH. AND LAWYERS GET THEIR 33% FEE OFF THE TOP

SUMMARY 1. REPORT ALL INJURIES ASAP. 2. GET MEDICAL TREATMENT ASAP. 3. FOLLOW RULES. 4. GET BACK TO WORK ASAP, WE NEED YOU. YOU DON’T WANT TO MESS WITH TDI.