Working together to achieve optimal outcomes: Water & Waste industry

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1 Working together to achieve optimal outcomes: Water & Waste industry Michelle Turton Customer Services Manager

2 Overview Who we are, Our roles and Structure Our focus and key measures Statistics and the challenges/opportunities ahead Lisa Grady, Senior Customer Advisor Julie Gallagher, Senior Project Officer WHSQ Morning tea Michael Bannister of Common Law on Quantum Group Discussion

3 Who we are Our partnership with customers and providers We are a self funding statutory body, providing and managing workers compensation insurance for the people of Queensland. A WorkCover Queensland Accident insurance policy covers employers for the cost of workers compensation claims. It also provides injured workers with compensation, medical costs and other benefits : Insured more than employers Managed over new statutory claims Managed over new common law claims We are 810 FTE

4 Who we are our partnership with you Our goals be financially viable, balancing injured worker and employer needs be a customer focused insurer be an organisation of professional, engaged people. Our values Excellence, responsiveness, integrity, respect Your team Claims representatives, Senior/Customer Advisors, Common law contact, management

5 Scheme statistics Just over 100,000 claims per year are lodged in the Queensland workers compensation scheme Over 80% of lodgments lodgements are accepted Approximately 4% of are accepted lodgement are rejected Less than 4% of decisions are disputed and reviewed Just over 60% confirm the insurers decision

6 Our focus Working with our corporate customers to understand their business and the industry which they work within Ensuring a prompt and effective return to work for our injured workers Key outcome is the RTW rate measured through RTW Monitor (2011/2012) Durable RTW in Qld is 75%

7 Claims determination 20 business days to make a decision on a claim as per the Act Statutory claims: No fault scheme - need to ascertain worker, event, and personal/injury Disputes should be based on evidence Important to have a process for clear incident reporting, investigate all incidents to promote zero harm and accurate record keeping Looking after your people and managing claims from injury notification is important. Poor management of people is expensive

8 Long term worklessness is one of the greatest known risks to public health WorkCover values the research surrounding the Health Benefits of work and the Position statement from the Australasian College of Occupational and Environmental medicine & Royal College of Physicians released in May 2011 Some recommendations are: - Medical consensus regarding the positive relationship between health and work; consequences of long term work absence/unemployment (Q-Comp MC) - The education of treating practitioners (sick cert practices & capacity ) - Governments launch public health campaigns (Safe work month) - Employers moving beyond legislative requirements to embrace the spirit of inclusive employment practices, WHS, wellbeing and best practice injury management (WCQ relationship management)

9 Long term worklessness is one of the greatest known risks to public health According to the biopsychosocial model of illness and disease, work may confer many benefits including: Ensuring that some physical activity is undertaken on work days; Providing a sense of community and social inclusion; Allowing workers to feel that they are making a contribution to society and their family; Giving structure to days and weeks; Financial security; and A decreased likelihood that individuals will engage in risky behaviours, such as excessive drinking.

10 Work is the most effective means to improve the wellbeing of individuals, their families & communities. Getting advice about work is important: it is a key outcome for wellbeing Early intervention for injury Advice to stay off work and sick certification are major therapeutic interventions = consequences for long term ill health and incapacity Planning and supporting RTW in partnership with patients are important aspects of clinical management WorkCover seeks opportunities to liaise with medical practitioners First do no harm: avoid iatrogenic disability Recognize human, social and economic implications holistic approach

11 Injury Management best practice Our approach to injury management is a stay at work philosophy Have clear, well defined goals for injured workers that is shared and agreed upon with all parties Availability of suitable duties Consider a catalogue or library of tasks that can be used when discussing RTW with doctors Compliance with suitable duties restrictions The complications that arise when worker s undertake duties outside their plan can be far-reaching and costly. All parties have an obligation to comply with the medical restrictions

12 Injury Management best practice case management Facilitation of a supportive work environment Clear expectations and understanding of the suitable duties plan by the worker, supervisors and co-workers provides confidence in the return to work process. Regular positive contact ; active and constructive participation in case management Provides the right climate to promote successful return to work and claims resolution Communication with all parties Good communication with your employee means the return to work plan can be adapted to maintain the return to work.

13 Return to work What we know Early return to work reduces the risk of longterm disability Injured workers who are offered suitable duties are twice as likely to return to work Strong evidence suggests that work absence tends to perpetuate itself: that is, the longer someone is off work, the less likely they become ever to return. The longer someone remains off work the less likely it is they will ever return. If someone is off work for: 20 days, the chance of ever getting back to work is 70% 45 days, the chance of ever getting back to work is reduced to 50% and 70 days, the chance is then again reduced to 35%

14 Injury Management best practice common law Skilled/Labour, often mature age, longer term employees, English second language, safe systems of work Conversion to potential common law: wages/fel seriousness of injury/disability, job security uncertainty, sense of being owed or let down, employability in open labour market What we can do together Facilitate ongoing employment or redeployment = reduced future economic loss, promotes durable RTW, expedites stat claim resolution, better employee engagement/retention Communication with all parties = sense of worth and belonging, job security, promotes alliances

15 Electricity, Gas, Water & Waste Subdivision: Waste Collection, Treatment and Disposal Services New claims remain steady Weekly comp is increasing

16 Electricity, Gas, Water & Waste Subdivision: Waste Collection, Treatment and Disposal Services - Off work longer before RTW - Industry rate is slightly reducing

17 Electricity, Gas, Water & Waste Subdivision: Waste Collection, Treatment and Disposal Services - CL claims reducing in frequency - CL claim settlement amounts remain steady

18 Electricity, Gas, Water & Waste Subdivision: Water Supply, Sewerage and Drainage Services - Frequency of new stat claim reducing - Weekly comp is reducing

19 Electricity, Gas, Water & Waste Subdivision: Water Supply, Sewerage and Drainage Services - Duration before RTW fluctuating/reducing - Premium rate increases

20 Electricity, Gas, Water & Waste Subdivision: Water Supply, Sewerage & Drainage Services - Spike in CL claim lodgements - Settlement amounts reducing

21 Outcomes Waste/Waste Stay at work 69 % (YTD) Final RTW 98% WorkCover Queensland s average rate remaining at $1.45 per $100 of wages for the year

22 Challenges and opportunities ahead Working on location and geographical issues unwitnessed, terrain, accessing providers remotely, RTW options Accidents incidental to core role Safety in transit, injuries during intervening activities, driving Dealing with shift work and on-call arrangements - how to structure a RTW program - other considerations- fatigue, culture, supervision Education on prevention and best practice RTW engaging doctors in rural/remote communities us%20chemicals.pdf

23 Let s share - SustainabilityMatters.net.au - Monthly toolbox talks with repeat messages and safety champions - e-safe Newsletter via WHS - PErforM workshops - free to better manage hazardous manual tasks using Participative Ergonomics for Manual Tasks program. - rtwmatters.org newsletter - Q-Comp e-news subscription and website - E.g. Medilaw seminars (link via non-work related injuries) - Regional bulletins - Safe Work Australia, in collaboration with the various Australian work health and safety jurisdictions, has released a new Guide to the Work Health and Safety Act. The publication is from the Safe Work Australia website - Relationships with providers that know your business (duties v role) - Industry site via WorkCover website

24 Doing business with us is easy we want to talk to you flexible interactions SMS, , face to face go online services lets s talk customer advisors and relationship managers keep you up-to-date health benefits of work stay at, return to work and suitable duties regular/ supportive communication industry pages and employer on-line

25 Value for money We look at ways to add value for money by offering a range of consulting services, at no extra cost, to help you control your workers' compensation costs. Services include: understanding and simulating your premium return to work strategies individual and industry performance analysis online services workplace health and safety advisory initiatives claims contact the advantages of being insured with us are clear the best possible benefits at the lowest possible premium

26 What can you do to save money? What can you do? prevention is better than cure keep your workplace safe (EBR) let us know about a claim as soon as possible work with us and support your worker to RTW quickly be return to work focused and offer SDP (reduces CL risk) Are you an ontrack employer? The right attitude about rehabilitation can help speed up your worker s recovery and keep them ontrack. A great return to work outcome for an employer, a worker and WorkCover is a stay at work result.

27 Using Employer online Employer online - easier to do business with us. See remittance notices - making it easier to reconcile Have comprehensive and up-to-date claims information (as at previous day) Access Certificate of Currency Send documents to us - direct to claim file Keep track of sent items through a 'history' register Confirm when premium payments are due (for those employers on payment plans) Access your performance Summary Access to the premium simulator

28 Questions & Discussion?

29 Amount of Claim - Quantum General Damages changes 01/07/10 onwards common law and Civil Liability Act based on ISV scales Past Economic Loss net wage from date of event. Past Superannuation follows on from PEL Past Special Damages including everything pain under stat claim Medicare payment Private Health Insurance Future Economic Loss global and calculated discounts applied Future Superannuation follows FEL Future Special Damages discounts for length of time delay, likelihood of event Past care Future care

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