Thomas Lundberg - Slash Your Workers Comp Costs: How to Cut Premiums Up to 35% -- and Maintain a Productive and Safe Workplace

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Slash Your Workers' Comp Costs How to Cut Premiums Up to 35%-and Maintain a Productive and Safe Workplace Thomas Lundberg and Lynn Tylczak AMACOM American Management Association New York Atlanta Boston Chicago Kansas City San Francisco Washington, D.C. Brussels Mexico City Tokyo Toronto

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title	:	Slash Your Workers' Comp Costs : How to Cut Premiums Up to 35%--and Maintain a Productive and Safe Workplace
author	:	Lundberg, Thomas.; Tylczak, Lynn.
publisher	:	AMACOM Books
isbn10 | asin	:	0814403476
print isbn13	:	9780814403471
ebook isbn13	:	9780585099675
language	:	English
subject	Insurance, Employers' liability--United States--Cost control, Workers' compensation--United States--Cost control, Industrial safety--United States, Industrial hygiene--United States.
publication date	:	1997
lcc	:	HG9964.L86 1997eb
ddc	:	658.3/82
subject	:	Insurance, Employers' liability--United States--Cost control, Workers' compensation--United States--Cost control, Industrial safety--United States, Industrial hygiene--United States.

This book is available at a special discount when ordered in bulk quantities. For information, contact Special Sales Department, AMACOM, a division of American Management Association, 1601 Broadway, New York, NY 10019. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. Library of Congress Cataloging-in-Publication Data Lundberg, Thomas. Slash your workers' comp costs : how to cut premiums up to 35% and maintain a productive and safe workplace / Thomas Lundberg and Lynn Tylczak. p. cm. Includes index. ISBN 0-8144-0347-6 1. Insurance, Employers' liability-United States-Cost control. 2. Workers' compensation-United States-Cost control. 3. Industrial safety-United States. 4. Industrial hygiene-United States. I. Tylczak, Lynn. II. Title. HG9964.L86 1997 658.3'82-dc21 97-2281 CIP 1997 Thomas Lundberg and Lynn Tylczak. All rights reserved. Printed in the United States of America. This publication may not be reproduced, stored in a retrieval system, or transmitted in whole or in part, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of AMACOM, a division of American Management Association, 1601 Broadway, New York, NY 10019. Printing number 10 9 8 7 6 5 4 3 2 1

Contents Preface vii Acknowledgments xi 1 - Our Safety Systems: Workers' Compensation and the OSHA Act 1 Workers' Compensation 1 OSHA 10 2 - Company-Based Policies 23 Preemptive Job Descriptions 23 Defensive Hiring Practices 29 Vehicle Usage 32 Drug and Alcohol Policies 35 A Written Safety Program 37 Morale-Building Policies 41 3 - Using the System to Save 45 Job Classifications 45 Experience Modifiers 51 Claim Reserves 53 Multistate Coverage 57 Using Outsiders and Specialists 59

Page vi 4 - Employee Involvement and Training 62 Occupational Safety and Health Committees 62 Training Staff for Safety 67 Formal Training Programs 73 Formal and Informal Safety Meetings 79 5 - Handling Accidents and Injuries 84 Before the Accident 84 During the Accident 89 After the Accident 96 6 Reducing Workers' Compensation Fraud 101 Hiring Considerations Creating an Antifraud Work Environment

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