Seven Policies and Programs to Help Your Business Achieve Dividend Success

April 23, 2019 • Missouri Employers Mutual

Every seven seconds, a worker is injured on the job. At Missouri Employers Mutual, we believe it’s imperative to build a company culture with safe practices at the forefront so workers can go home to their families at the end of the day. MEM’s Safety Dividend program was created to recognize workplaces that go the extra mile and demonstrate safety success. By focusing on safety and empowering your employees to perform their jobs as safely as possible, your business could earn up to a quarter of its annual premium back.

Be proactive about safety and get the most out of your safety dividend by implementing the following policies, procedures and programs.

1. Demonstrated Safety Enforcement

Written safety rules can become worthless unless someone is willing and authorized to enforce them. Verify that safety rules, programs, processes and procedures are being followed and enforced through photos, videos, on-site consultation or documentation.

2. Drug and Alcohol Policies

Drug and alcohol testing is one of the most important components in maintaining a safe and successful workplace. Implement a written drug and alcohol program that includes post offer, post incident or random testing. Making the commitment to achieve an alcohol- and drug-free workplace can go a long way toward preventing and reducing the severity of workplace injuries.

3. Participation in Telehealth

Not every on-the-job injury requires a trip to the emergency room, and that’s where MEM’s telehealth programs come into the picture. The telemedicine program provides access to medical care via video consultation, while the nurse triage program helps you manage medical costs by directing employees to the appropriate level of care to ensure a successful recovery.

4. Return to Work

Having an established return to work program has been shown to reduce claims costs and give injured employees a better recovery experience. Develop a demonstrated business strategy to return employees, who are injured in work-related incidents, to the workforce as soon as medically feasible. This helps them maintain their routine, be productive, recover quicker and help your business control its claims costs.

5. Performance Goals with a Safety Component

Management, supervisors and employees are held accountable for their safety performance in a formal manner. For example, all are expected to:

  • Follow applicable safe work rules and best practices
  • Avoid unnecessary risks
  • Correct unsafe conditions and behaviors, and reward employees who comply with corrective action plans

6. Fit for Duty or Functional Capacity Testing

Utilize fit for duty testing, which is a post injury evaluation to determine whether an injured employee is fit to return to work. This testing is injury specific, and uses the employee’s job description to assess the physical skills needed to effectively perform the job.

7. Post Offer Employment Testing

Carry out pre-employment testing to determine whether an individual is physically capable of performing a specific job, such as lifting, carrying, pushing, pulling or grasping, to minimize the risk of injury and unexpected losses. This testing should be formally documented and include written job descriptions with essential job functions, job task analysis and physical capacity testing.

All policyholders are eligible to earn a safety dividend from MEM. Remember to document all your business’s safety policies, programs and procedures to maximize your potential payout. Getting started may seem daunting, but at MEM, we do our best to make safety simple. To access additional information and helpful resources to aid your efforts toward a safety dividend, check out MEM’s Safety Dividend Resource Kit here.

April 23, 2019
Missouri Employers Mutual
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