That certainly quiets the argument about the aging workforce causing more injuries, but what about cost? The research shows that there is a substantial cost difference between younger and older workers, but the split isn't necessarily where you might expect it.

Workers between the ages of 20 and 24 years old create much lower costs (and fewer days out). However, once workers reach 35, the costs of their injuries are very similar. 

What Does This Mean?
To start with, it now largely redefines an “older worker” as someone who grew up listening to Pearl Jam instead of Elvis. This means that someone over 35, not just someone belonging to the traditional “over 65” group, is now being classified as an “older worker.” It should also prompt agents to help businesses strongly focus on the things that can reduce injury costs for everyone.

Injury prevention for employees should begin before they even become employees­—during the hiring process. Help your clients develop written functional description for the position that is open. Once that is complete, it is critical that the candidate the employer selects be given a conditional offer of employment. This document is a bona fide job offer with the caveat that you can withdraw the offer if they are physically or mentally unable to do the job with reasonable accommodation. Once this is complete, have the candidate go to the doctor and complete a post-offer, pre-placement medical questionnaire. Having this completed allows a physician to ask questions relevant to the job and to let the employer know whether or not the candidate is fit for the job. If they are, it's time to get started. If not, they will have to find another suitable candidate.

Once an employee is on the job, it is critical that they are always mindful of how she or he is doing the job. Far more injuries are caused by unsafe acts by employees than any unsafe conditions in their workplace. Employees that feel rushed are more likely to set safety aside in the name of meeting a deadline and those decisions result in accidents that could have been prevented. 

When a company completes all of these steps and has a workforce that is fit for work and doing their jobs safely, then the focus turns to what happens when an accident does happen and an employee is injured. 

Protocols In Place
Employees must know before they get hurt who they should talk to when they suffer an injury. Immediate injury reporting is a key to keeping injury costs as low as possible. Studies have shown that the costs of an injury go up when there is a delay in reporting. Make it your policy that any employee injury is reported before the end of the shift.

Once the injury is reported, getting the proper treatment is key. 

Agents should help employers build a relationship with an occupational medical provider in your area. You can find board certified occupational doctors on the web at acoem.org. Even if there isn't an occupational medicine specialist in your town, you can develop a relationship with a physician and send your injured employees to that doctor.

The goal of having a relationship with a doctor is to ensure that the doctor knows the business and the physical demands that employees are under. They should also have a good knowledge of the transitional work that the employer has available. When a doctor knows that you will accept an employee back to work on transitional duty, they are far more likely to send them back to work rather than send them home to sit on the couch and watch infomercials for attorneys at 1-800-SUE-THEM. 

When an employee is at work, they are less likely to hire an attorney and more likely to work hard to get back to their full duty position. This process not only gets employees back to work more quickly, it also reduces the amount of money that the insurance company spends on employee injuries, reducing the clients experience mod and therefore their workers' compensation insurance costs. 

The workforce is getting older and we need to be mindful of accommodations that older workers may need today that they didn't need before. However, this new research from NCCI should sharpen employers focus on what can drive down injury rates and costs, like hiring the right people, training them to do their jobs safely and when accidents do happen, have them reported immediately and treated by a skilled physician that will send them back to work, rather that send them home. 

If agents help employers follow those steps, then having older, experienced workers on the payroll can be a great asset rather than a potential liability. It can also create clients for life.