Day 1 Readings Flashcards by Preston Floyd

NCCI

National Council on Compensation Insurance

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Workers Comp Premiums

Insures place type of work and calculate losses based on loss experiences. Workers comp is the amounts paid for the insurance for companies. Higher the risk of work, higher the premiums

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Manual Premium Calc

Payroll/100 x rate

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Experience Modifier

Based on the claims activity of their specific business. Starts at one and then goes up or down as the claims activity of the business changes

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Standard Premium Calc

= Manual Premium x Experience Modifier

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Retrospective Rating

Companies with strong safety programs can request this and the premium is adjusted to reflect the insureds own losses in the current policy rather than the experienced in the industry

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Injury and illness recording (29 CFR 1904)

Recording any injury and illness is required by law and the info is maintained on OSHA forms 300, 300A, & 301

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Employers with 11 or more employees

Are required by OSHA to record keeping

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Employers with less than 10 or less employees

Are expempt from record keeping unless selected by the Bureau of Labor Statistics to participate in the annual survey of Occupational injuries and illness

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OSHA 300 log

Log of work related injuries and illnesses

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OSHA 300A

Summary of Work Related injuries and illnesses

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OSHA 301

Injury and Illness Incident Report

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Recordable Occupational Injuries and illnesses

The employer must enter each recordable injury or illness on the osha logs within 7 calendar days of receiving info that it occurred

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Any work related injuries and illnesses that result in one or more of the following must be recorded

Death
Days away from work
Restricted work
Transfer to another job
Medical treatment beyond first aid
Loss of consciousness
Diagnosis of a significant injury or illness

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In-patient hospitalization, amputation, or eye loss must be reported….

Within 24 hours

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A case does not need to be reported if

It is considered to only be first aid

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Visits to a physician or other licensed health care solely for observation or counseling

Does not need to be recorded

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Privacy concern case

Employer protects the privacy of the injured or ill employee. (Employee independently and voluntarily requests his name not be entered)

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4 Leading Hazards

Falls from elevations
Struck by
Caught in-between
Electrical shock

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What is the minimum height between lower and upper level until fall protection is needed

6 feet

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OSHA requires that almost all PPE be provided by the employer except:

steel toe boots / prescription safety glasses

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Stairways or ladders are needed whenever there is a break in elevation of

19 inches

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Two or more ladders needed if

25 or more employees on site

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OSHA estimates that there are more than 3 dozens deaths a year due too

Falls from stairways or ladders

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One who is capable of identifying existing and predictable hazards in the surroundings or working conditions which or hazardous, or dangerous to employees and who has authority to eliminate them

Competent person

Standard guardrail systems required at working heights of

10 feet or more

Minimum overlap of platforms

12 inches (unless the platforms are nailed together)

Scaffold Conditions can be found in

1926 subpart L - Scaffolds

Low Voltage

600 volts or less

High Voltage

600 volts or greater

Rapid, ineffective heartbeat due to electrical shock

Ventricular fibrillation

OSHA requires protection via sloping or shoring for trenches at a depth of

5 feet deep

Osha requires that vehicles are not parked closer the _ of a trench

2 feet

Spoil pile of a trench be placed how far

2 feet

If the trench is deeper than 2 feet what distance?

Equal distance to depth of trenched maintained for a max of 5 feet

OSHA requires a means of egrets in the form of ladders, steps, ramps for any trench at what depth

4 or more feet, and needs to be places within 25 feet of travel for any worker

Who is covered by OSHA

All employers and employees in the U.S and its territories

Who is not covered by OSHA

Any state or local government entity THe self employed Farms that employ only family members Work places already covered by other federal agencies (MSHA)

1910 OSHA Standards

General

1926 OSHA Standards

Construction

1910.9 (b)

Employer must train and offer training programs

1910.22 (a)

Places of employment must stay clean, organizes, clear of hazards

1926.1053 (b) (1)

Ladder Upper must extend 3’

1926.251 (a) (1)

All rigging equipment inspected prior to use

1926.701 (b)

All protruded steel will be guarded ( Rebar Cap)

1926.350 (a) (5)

Any gas cylinder cap shall not be used for lifting

1926.601(b)(4)

If view is obstructed while in equipment must use a spotter or have back up alarm.

1926.95(b)

PPE use is the responsibility of the employer

1926.21(b) (2)

Employers employees need to recognize and avoid unsafe conditions or hazards

1926.20 (b) (2)

Competent persons to frequently inspect job sites, material, equipment

1926.28(a)

Employer responsible for requiring correct PPE

1903.6(c)

Any person that gives notice to an employer of future inspections shall be either fines, jail, or both.

Horizontal Standard

Regulatory standard that applies to entire workforce (PPE) is

Vertical Standard

Standard that applies to specific industries ( SCUBA ) (CONSTRUCITON)

Section 11 C

= antiretalation = whistle blower protection

Medical expenses, Physical therapy, Repair Fees, Compensatory damages

Direct Costs

Time lost from work, loss of earning power, lost time by fellow workers, damage to tools and equipment

Indirect cost example

Costs that are directly associated with a specific event, easily identified and counted, paid by insurance

Direct Cost

What % of injuries are done due to behavioral reasons

85 - 90%

Motivation comes from

Within

Inspire comes from

The outside

The employer who actually creates the hazard

Creating employer

Employers whose employees are exposed to hazards

Exposing employer

The employer who has the responsibility for actually correcting the hazard

Correcting employer

Employer who is responsible by contract or through actual practice . Employer who has the authority for ensuring the hazard condition is corrected

Controlling employer

#1 Hazard

Fire

#1 Killer

Falls

Qualified person

Designs

Excavations greater than 20’ deep

Has to be designed by RPE

Any unplanned event that results in personal injury or property damage

Accident

Near Miss

Incident

Probability x severity

Risk

3 or more hospitalizations due to the same incident

Castastrohpy

Industrial Truck operators should be evaluated every

3 years

Competent person to inspect slings and fasteners

Each day before every use

Fire extinguishers inspected every

Month

Fatal 4

Falls, struck by, caught by, electrical

Evaluation of _ and _ is a serious mistake companies can make

Production & Safety