A new study has found that people who have had workers’ comp claims in the past are more likely to file future claims compared to those who have never suffered an on-the-job injury.
The study – the subject of an article published in the Journal of Occupational and Environmental Medicine – concluded that a past claim is the most predictive factor in determining the likelihood of future workers’ comp claims.
While the findings shed light on a significant driver of workplace injuries, employers are in a difficult position as asking prospective employees about past claims experience is illegal in most jurisdictions.
A higher proportion of both men and women who had filed workers’ comp claims in the past also experienced a subsequent workplace injury.
For both genders, a past claim is the most predictive factor in determining the likelihood of filing a future claim.
Women who had certain pre-existing behavioral risk factors like depression, poor sleep habits and headaches were more likely to file a subsequent claim if they had already filed one. These same risk factors did not add to the likelihood among men in filing second claims.
Future claims are associated with individual workers’ overall health.
The takeaway
Besides addressing workplace hazards proactively, anytime you have a workplace injury, you should investigate to determine how the incident occurred. Once you identify what went wrong or broke down in your processes leading to the incident, you can address the problem through new safeguards and training.
Also, if an employee does file a claim, when they are back on the job you should give them additional safety training and attention to reduce the chances of them suffering future workplace incidents.
And what about prospective employees? First off, most states bar employers from asking prospective hirees about any past workers’ comp claims they have filed with previous employers.
The Federal Americans with Disabilities Act, as well as numerous state laws, seeks to protect job seekers from discrimination in hiring as a result of filing valid claims.
The bottom line is that an employer cannot request workers’ compensation records in order to have a policy of not hiring anyone who has made a claim. It is discriminatory to penalize a person who has exercised a lawful right in a lawful way and filed a valid claim.
If you are considering trying to obtain past workers’ comp records, you should consult with a labor lawyer before making any moves.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
Special Contractor Insurance Programs (NY, NJ, CT)– We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut– Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
Do you have any of the following problems with your Workers’ Compensation coverage? If so, as one of tri-states leading specialists we can help you address them.
Problems:
Rates too high – We have two programs whose rates are great!
Your payments are on a fixed monthly installment plan – We have a program where your payments are based on past weeks payroll. No payroll, no workers compensation payment.
You have employees that perform various trades a week yet your insurance company charges you for the highest rated code – We have a program that allows you to split each field workers payroll by trade so you DO NOT overpay.
You have employees that work out of your home state weeks at a time – Did you know state and assigned risk plans may not cover you properly whereby you end up with a huge uncovered liability to pay? For example, your office is in New York but currently you have a job in New Jersey for two months. Employee gets injured on job, decides to file claim in New Jersey. Hospital stay in New York cost $100,000. In New Jersey $250,000. You could end up out of pocket $150,000. We have a program that eliminates this problem.
Your Workers’ Compensation company’s auditors are difficult to deal with – You will find our company auditors to be flexible, reasonable, agreeable and helpful. With some of our programs depending on the state you’re in audit may take less than 15 minutes or you may not have a yearly audit.
You have a high (debit) Experience Modification factor and it’s causing you problems getting coverage &/or work – We have programs who offer competitive pricing even though you have a high experience mod.
Your Worker’s Compensation insurance company is difficult to work with. Their service is poor – We have a program whose service is FIRST CLASS from day to day customer service, claims, reports, certificate issuance, you name it they’re excellent!
You use a payroll service that provides Workers’ Compensation but you are not happy with them – We offer THE BEST payroll programs for contractors in the tri-state area. As intermediaries when there are issues you come to us and we handle them for YOU!
You are paying service and policy fees that amount to 10% or more of the cost of coverage – If you fit into one of our programs we DO NOT charge service or policy fees.
You keep switching Workers’ Compensation companies every year to two – We have one of the longest running construction programs in the United States. 24+ years. If you are looking for excellent pricing, long-term coverage stability, FIRST CLASS services and one of tri-states leading experts to answer all your questions you can now get that through us.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
Special Contractor Insurance Programs (NY, NJ, CT)– We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut– Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
