Accident Investigation for Workers’ Compensation Claims:对工伤事故调查索赔

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1、Accident Accident Investigation Investigation Sample Training PowerPointPurpose of PresentationPurpose of PresentationOverview of workers compensation accident investigation processValue of investigation following an accident (whether compensable or not)Elements of Accident InvestigationsGoals & Obj

2、ectivesGoals & ObjectivesIncrease your knowledge of the workers compensation accident investigation processIdentify methods of investigationDetermine the causes of accidentsIdentify tools used in the investigation processFine tune your accident investigation skillsEmployee Must Provide Employee Must

3、 Provide NoticeNoticeWhy: To notify the employer that the employee had an injury at work so that the incident can be investigated.Employee Notice of an AccidentEmployee Notice of an Accident(Insert your agencys reporting policy and key process steps)Immediate written notice requiredEnables prompt in

4、vestigation of factsAllows employer to provide necessary medical attentionIf the employer does not investigate, may not be able to prove the facts.Best PracticesBest PracticesInjured worker should immediately notify his/her supervisorThe supervisor should investigate or notify whoever is responsible

5、 for agency investigation immediately!Submit claim within 24 hrs.Investigate to Determine Greater RiskInvestigate to Determine Greater RiskInjury arises from a risk not shared by the general publicThere is a causal connection between the injury and the employmentEmployee exposed to a particular dang

6、erThe risk is peculiar to the employmentHow Can You Help?How Can You Help?On-Site Investigators Role In Workers Compensation ClaimsWhy Investigate WC Claims?Why Investigate WC Claims?Needed to assist claims staffDetermine causeDocument sceneDocument what people said and sawPrevent future accidentsDo

7、cumentationDocumentationDocument information you hearDocument the scene through photographs, sketches, written descriptions, video recordingsDocument evidence of non-work injuryInvestigate facts that contradict injured workers versionInvestigate personnel or disciplinary problems that impact the cla

8、im situationDocumentationDocumentationInsert information here on your agencys policy Do you have internal forms? Where does the investigator get the forms?Who does the documentation go to for forwarding to the claims staff? What timeframes are in place for completing the investigation?Any timeframes

9、 for follow-up for correction of hazards?What Else?What Else?Gather contact information on witnesses & supervisorsObtain witness and supervisor names, phone numbers, best time to contactProvide this information to agency personnel to forward to WSI claims staffPhotographsPhotographsWhy are photograp

10、hs so important ?Support factsDocument sceneBecome the “eyes” forpeople not in the fieldMay be required if litigatedExposure to BloodExposure to Bloodor Other Body Fluidor Other Body FluidDocument:Who is the sourceWas there any possible transmission of diseaseContact with cuts, scrapesContact with e

11、yes, nose, mouthExposure to BloodExposure to Bloodor Other Body Fluidor Other Body FluidInsert your agencys policy on how to handle exposure incidents here.WSI Claims WSI Claims Staff RoleStaff RoleClaims staff receives information from agencyWill investigate the Who, What, Where, When and How quest

12、ionsMay call with additional questions or to obtain the injured workers or witnesss statementClaims staff determines compensabilityInvestigationsInvestigationsWhat is an “Accident”?What is an “Accident”?Any unplanned event that results in personal injury or in property damage.Not intendedNot reasona

13、bly anticipatedSo What is a “Cause”?So What is a “Cause”?It is the reason for an action or condition; something that brings about an effect or result. (Websters dictionary) Accident Investigations Accident InvestigationsThe failure of people, equipment, supplies or surroundings to behave or react as

14、 expected causes most accidents.Accident investigations determine how and why these failures occur.Conduct with prevention in mind NOT to place blame!Why Should the Agency Why Should the Agency InvestigateInvestigate? ?Assist workers comp claims processTo be the “eyes and ears” in the fieldTo gather

15、 facts on-siteTo preserve evidence that may be lost over timeTo determine cause of the accidentTo identify ways to prevent accidents from recurringBest PracticesBest PracticesMake sure the injured worker is taken care of firstSecure the scene to preserve the integrity of the sceneGather all necessar

16、y equipment to begin investigationWhat is the Investigators Role?What is the Investigators Role?Do:Go to the accident siteInvestigate and document the causeDocument supervisor and witnessesPreserve the evidenceDont:Speculate on coverageConduct formal interviewsGive adviceGuidelines for Investigators

17、Guidelines for InvestigatorsAgency investigator should:Survey, secure and document the siteIdentify the causeLook for contributory hazards Report conclusions and recommendationsInvestigative TechniquesInvestigative TechniquesINVESTIGATE IMMEDIATELY!Dont assume anythingObtain all possible factsPreser

18、ve the evidenceTake photographs of the siteTake measurements and diagram if necessaryDont Make AssumptionsDont Make AssumptionsGather the factsWhat did the injured worker say happened?What did witnesses see?What did the injured worker tell witnesses?Talk to the supervisorWhat Do You Ask?What Do You

19、Ask?What did the injured worker tell you?Where and when did the accident occur?Were there any witnesses?How was the employee injured?Was training provided for this task?Were the safety rules followed?Additional Questions Additional Questions for for the Supervisorthe SupervisorWas the employee doing

20、 an assigned task?Had the employee been trained on the task?Had the employee ever done this task before?How often is this task performed?Preserve the EvidencePreserve the EvidenceBefore you preserve it, lets define it:Evidence is data, which helps to prove the eventNext, decide what evidence is impo

21、rtantImmediate photographs are criticalThe site could change the next day and evidence would be lostWhat Do You Photograph or What Do You Photograph or Videotape?Videotape?Sites of accidents, including:DefectsHazardsUnusual ConditionsConditions that differ from what the employee describesAreas or fu

22、rniture in need of maintenanceHousekeeping issuesWhat to Look For?What to Look For?Liquid substances or objects on a floorWorn treadsSlippery floor (heavy wax)Loose rungs on a ladderFrayed or torn carpetType of shoesAnything being carriedAnything out of the ordinaryWeatherWeatherSunny and clear?Rain

23、y?Foggy?Icy?TemperatureColdHotHousekeepingHousekeepingClear, unobstructed walkwaysPassageways and aisles free of protruding nails, loose boardsDebrisUnwanted ClutterBoxes in aislesObstacles/barriersEnvironmentalEnvironmentalMay include the following elements:StairsLadders (portable, extension, etc.)

24、Machinery, i.e. power sawsAny room, i.e. training, sleeping quartersWallsFurniture, such as tables or chairsVehiclesSidewalk cracks (take measurements)Whats wrong with this picture?Whats wrong with this picture?“I was working at my desk and all of a sudden I noticed pain in my left wrist”Whats wrong

25、 with this picture?Whats wrong with this picture?“Ive fallen (and I cant get up)”Whats wrong with this picture?Whats wrong with this picture?(Agency Name)(Agency Name)Most Common AccidentsMost Common AccidentsStruck by/ strike againstMaterial HandlingSlips, Trips, FallsQuestions?Questions?Remember:Think “out of the box”Trust your instinctsUse common sense

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