The Stay Working System Can Eliminate the Highest Workers’ Compensation Cost!
When a worker has an on the job injury, what costs the employer and the worker the most?
- Medical Bills?
- Lost productivity?
- Time loss compensation payments?
- Future premium rate increases?
For a compensable claim, meaning one where the worker is off work, the answer is time loss payments.
Time loss payments equal about 50% of the cost of a claim. In Washington, an average claim costs about $45,000 per the actuary records of the Washington Department of Labor and Industries (L&I). If the worker is highly paid, it is the most expensive cost. For the worker, time loss payments equal about 60% to 75% of their wage at injury (depending on number of dependents), up to a limit. So being off work means a reduced ability to meet their household expenses.
Plus, in Washington, having a compensable claim, automatically results in an increase in the employer’s workers’ compensation insurance premium rate.
The Stay Working System Provides Instant Productive Transitional Work…
Work that gets things done, has buy-in from workers and supervisors, and acts as an
On-the-Job Work Rehabilitation System.
By being prepared, in advance, with value-added temporary transitional job descriptions, called Link-Jobs, injured workers can be returned to useful and productive work almost instantly. When used effectively for non-catastrophic claims, The Stay Working System (SWS) can result in the targeted goal of ZERO TIME-LOSS for workers who are released to a medically approved job before time-loss begins. If the worker needs to be off work for awhile due to the injury, keeping the worker on salary (KOS) may also avoid a compensable claim (no time-loss or partial permanent disability).
The Stay Working System is a Win-Win Tool for Employers, Supervisors and Workers
- Once implemented, it’s an instant system for safety and human resource managers
- Eliminates time loss payments for workers who are released to a medically approved job before compensabilty begins
- Gets workers back to full wages sooner
- Keeps workers productive and provides an opportunity to learn new skills
- Maintains crew continuity within the individual’s work area
- Provides on the job work rehabilitation with medically approved progressively challenging assignments
- Includes Training Videos for tasks that may be new to the injured worker
- Includes Job-site Modifications to bring more tasks within a worker’s limitations
- Provides links to vendor information for all recommended equipment and brief training
- The Stay Working System, government benefit programs and statistical information contained in this website relates to the Washington workers’ compensation system.
Why have a System?
Acronym coined by Robert Allen and Mark Victor Hansen in their book The One Minute Millionaire