How to Keep Occupational Diseases from Affecting Your Workers' Compensation Costs
Know your work environment, know the dangers — and know who you are hiring, advises the Institute of WorkComp Professionals' Teresa Long
June 3, 2009 — A recent report by the American Association of Family Practitioners notes that occupational diseases account for 860,000 illnesses and more than 60,000 deaths each year. And this runs the gamut of causes, everything from coal miners contracting black lung disease to assembly line workers in meat packing plants developing carpal tunnel syndrome.
It would be hard not to realize both conditions are on the opposite spectrum of severity. But what they do have in common that they cost employers a bundle in Workers' Compensation benefits, loss of production and a paperwork nightmare for everyone involved.
Occupational Disease Defined
For all the ways occupational disease affects the Workers' Compensation system, there are those who don't fully understand what it is, how it differs from a standard claim or how it affects an employer.
An occupational disease is identified as any chronic ailment that occurs as a result of work or occupational activity, as long as the ailment is more prevalent in a given body of workers than in the general population, is not considered an "ordinary disease of life," was contracted during employment and results from exposure that is common to that occupation. The most common are repetitive trauma (common among assembly line workers doing repetitive tasks), skin disorders (notable among farmers and those in the agriculture industry), toxic effects of chemicals (working around asbestos), and respiratory disorders (such as black lung disease).
To know the difference between an occupational disease and an occupational hazard, think of a roofer putting asbestos shingles on a building. Coming down with asbestos poisoning would be an occupational disease; falling off the roof would be an occupational hazard.
Claims for occupational diseases differ from standard Workers' Comp accident claims in many ways. For one, they take longer to be reported by the worker, sometimes twice as long. Unlike throwing out your back picking up a crate on a warehouse floor, or hitting your head on a low-hanging pipe, the condition tends to build slowly over an extended period of time. And before workers even connect it back to their job, they are already entrenched with the family practitioner, who probably is not versed in occupational medicine Paperwork has started, insurance has kicked in, and the ailing worker is committed to treatment by their family doctor and not open to one recommended by the employer.
Employers must also be aware of the "last injurious exposure" rule, which means that if the employer was the last company an employee worked for and was "exposed" to a hazard, that company can be held 100 percent responsible for the claim. It doesn't matter that an individual worked for 10 years unloading cargo for an airline. If he leaves there and works for another airline — even for one day — and puts in a successful hearing loss claim, the financial burden can fall on the current employer.
The Best Defense
So how do employers protect themselves, short of eliminating the hazard totally? Very simple: Know who you are hiring and what they may have been exposed to. Do the due diligence beforehand, especially if you are aware you have a potential hazard greater than what the general public is exposed to.
Here are some guidelines to follow:
- Be aware of your work environment and sensitive to any potential dangers arising from air, noise, water, etc.
- Bring in an industrial hygienist (IH) to test for any potential hazards.
- Get IH recommendations on what type of equipment could be implemented to minimize or even eliminate the risk (ear-plugs, protective suits, etc.).
- Make sure that as soon as you are aware of an incident, the worker is sent immediately to a doctor who specializes in occupational medicine or a specialist for the specific hazard involved, i.e., dermatologist, audiologist, etc.
- As soon as the hazard has been identified, implement baseline testing on all employees who are subject to the exposure and establish a procedure for ongoing testing.
- Be aware of ergonomics. Sometimes the simple act of making sure a chair is the proper height can head off many repetitive trauma disorder claims down the road.
- Create a return-to-work program that can be flexible enough to accommodate even temporary alternative positions. If an employee has a hearing loss claim and can't work on the factory floor, a temporary alternative is a quieter area where he or she can perform other duties. This will provide you time to investigate the hazard and determine how to best alleviate, minimize or eliminate the exposure so the employee can return to his or her normal position.
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