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Lonnie L. Spikes Jr., PHRLonnie L. Spikes Jr., PHR
DOL L&I Claims AdministratorDOL L&I Claims Administrator
360.664.1394360.664.1394
[email protected]@dol.wa.gov
Revised: 03/26/2008
HERO!(OR HOW WE CAN SAVE THE AGENCY
THOUSANDS IN L&I PREMIUMS)
HOW IT BEGAN…
~ PREVIOUSLY… ~~ PREVIOUSLY… ~
• What are the primary elements determining how What are the primary elements determining how much DOL will pay for Industrial Insurance much DOL will pay for Industrial Insurance Premiums?Premiums?
• Do all state agencies and their employees pay Do all state agencies and their employees pay the same amount of premiums?the same amount of premiums?
• What type of injuries results in the most claims What type of injuries results in the most claims for DOL?for DOL?
• What can we do?What can we do?
• How and when do we measure success?How and when do we measure success?
HOW AND WHEN DO WE MEASURE HOW AND WHEN DO WE MEASURE SUCCESS?SUCCESS?
•We will have an estimated experience rating for year We will have an estimated experience rating for year 2009. 2009. •We can compare current rate (2008) against future rates We can compare current rate (2008) against future rates (2009). (2009). •We will be able to tell if we saved the agency and its We will be able to tell if we saved the agency and its employees money for 2009. employees money for 2009.
. If past accident costs are low…we would expect future costs to be low. Hence charging lower premium rates. Past predicts the future…….
• Remember, Experience rating provides an
economic incentive to prevent accidents.
PURPOSE OF EXPERIENCE PURPOSE OF EXPERIENCE FACTORFACTOR
CRUCIAL FACTORSCRUCIAL FACTORS (determining exp. factor)(determining exp. factor)
ClaimFrequency
ClaimSeverity
How Much?How
Many?
2008 EXPERIENCE RATING
1.3666
$604,609$604,609
Premiums for 2008 since 05/14/08
2009 EXPERIENCE RATING
1.4____
ESTIMATED PREMIUM ESTIMATED PREMIUM PER QUARTER FOR 2009PER QUARTER FOR 2009
$250,000
WHY?
CRUCIAL FACTORSCRUCIAL FACTORS (determining exp. factor)(determining exp. factor)
ClaimFrequency
ClaimSeverity
How Much?How
Many?
FOR RATING YEAR 2009FOR RATING YEAR 2009
DROP FY2004, DROP FY2004, PICK UP PICK UP FY2007FY2007
• FY 2004, 2005, Exp. rating for 2006 Calendar year 2008
• FY 2005, 2006, Exp. Rating for 2007 Calendar Year
2009
$756,339
$597,261
WHAT HAPPENEDIN FY2007?
FY2007 SOURCE OF INJURIESFY2007 SOURCE OF INJURIES
MVAs21% [23]
MSDs47%[48]
Other13% [12]
Slips, trips21% [23]
FY2007 COST OF INJURIESFY2007 COST OF INJURIES
MVAs = Motor Vehicle Accidents
MVA33%
(Non-MVA)67%
45
153
HOW ARE WE DOING HOW ARE WE DOING FOR 2008?FOR 2008?
MVAs24% [5]
MSDs47%[10]
Other5% [1]
Slips, trips24% [5]
SOURCES OF INJURY SINCE SOURCES OF INJURY SINCE 05/14/2008 ending 09/30/200805/14/2008 ending 09/30/2008
MVAs = Motor Vehicle Accidents
COSTS OF CLAIMS SINCECOSTS OF CLAIMS SINCE05/14/200805/14/2008
ending 09/30/2008ending 09/30/200866%
[$472,886]17% [$97,564]
MVANon-MVA
$1,689,026
MVAs = Motor Vehicle Accidents
SINCE 05/14/2008SINCE 05/14/2008•
TOTAL LOST DAYSTOTAL LOST DAYS
7878
TOTAL RESTRICTED DAYS TOTAL RESTRICTED DAYS 7373
NOW WHAT?
BACK TO BASICS…
PREVENTION OF CLAIMS PREVENTION OF CLAIMS & &
MANAGEMENT MANAGEMENT OF THE INJURED WORKEROF THE INJURED WORKER
PREVENTION OF CLAIMSPREVENTION OF CLAIMS• How can we integrate office Ergonomics?How can we integrate office Ergonomics?
– Institute ergonomics and accidents in NEO Institute ergonomics and accidents in NEO – Training – low-cost or free (agency may be given credit by
L&I)– Internal focus area
• Hazard identification?– Workplace tasks– Environment– Lifting tasks
• Anything more??Anything more??
How and when will our How and when will our efforts be judged?efforts be judged?
• We monitor accident data by division, location and We monitor accident data by division, location and type of injuries. type of injuries.
• Follow-up on data by month, quarter, yearFollow-up on data by month, quarter, year• Train employees on hazard identification. Train employees on hazard identification. • By By March 15March 15thth , we will have a premium figure for , we will have a premium figure for
11stst QTR 2009. QTR 2009. • We compare 1We compare 1stst QTR 2009 against 1 QTR 2009 against 1stst QTR 2008. QTR 2008. • We will be able to tell if we are on the road to We will be able to tell if we are on the road to
recovery.recovery.
NOW WHAT?
we can be…
HEROES!!
All of us are involved in saving the agency and
its employees money!
For a more in-depth presentation:
Lonnie L. Spikes Jr., PHRLonnie L. Spikes Jr., PHR DOL L&I Claims Administrator DOL L&I Claims Administrator 360.664.1394360.664.1394 [email protected]@dol.wa.gov
