New York Worker’s Compensation Return to Work Help!

If a business's experience modification factor (often referred to as an experience mod or Ex-Mod or EMR) is over 1.0, it indicates that the business has had a higher-than-average number of claims or more severe losses compared to other businesses in its industry. This can lead to higher workers' compensation insurance premiums. Here's what a business should do in this situation:

1. ​Analyze Claims Data: Review and analyze past claims to identify patterns or common causes of injuries. Understanding the root cause of claims can help in developing strategies to prevent future incidents.
2. Implement Safety Programs: Develop and implement comprehensive safety and health programs. Focus on training employees on safe work practices, emergency procedures, and proper use of equipment.
3. Engage Employees: Involve employees in safety discussions and encourage them to report potential hazards or unsafe conditions. A collaborative approach to workplace safety can help in identifying and mitigating risks more effectively.
4. Regular Safety Audits: Conduct regular safety audits and inspections to identify and correct potential hazards in the workplace before they lead to injuries or claims.
5. Manage Claims Effectively: Promptly report and actively manage workers' compensation claims. Early intervention and return-to-work programs can help in managing the costs associated with claims.
6. Review and Update Policies and Procedures: Regularly review and update safety policies and procedures to reflect current operations and incorporate lessons learned from past incidents.
7. Work with Insurance Providers: Consult with your workers' compensation insurance provider or a risk management consultant. They can offer advice on reducing your experience mod and improving workplace safety.
8. Monitor Experience Mod: Regularly monitor your experience modification factor to track progress and understand the impact of your safety initiatives.

By taking proactive steps to improve workplace safety and manage risks, a business can lower its experience mod over time, leading to reduced workers' compensation insurance costs and a safer work environment. The goal should be something like a .85 Ex-Mod!

Establish a Culture of Safety

• ​Leadership Commitment: Ensure that company leadership is committed to safety and communicates its importance to all employees. A strong safety culture starts at the top.
• Employee Recognition: Recognize and reward employees who contribute to improving workplace safety. Positive reinforcement can motivate others to follow suit.

Invest in Safety Equipment

• ​Proper Equipment: Ensure that all employees have access to and are trained on the proper use of personal protective equipment (PPE) relevant to their job tasks.
• Maintenance: Regularly inspect and maintain equipment to prevent malfunctions that could lead to injuries.

Continuous Education and Training

• ​Ongoing Training: Provide continuous education and training opportunities for employees to keep them informed about the latest safety practices and regulations.
• New Hire Orientation: Implement a thorough safety orientation program for new hires to ensure they start with a strong understanding of safety expectations.