PComp Loss Control Policy
Adopted by the PComp Board of Directors
November 9, 1992
In order to provide for the financial stability of PComp, the PComp Board of Directors
has adopted the following policy regarding loss control:
Prior to admission to PComp, the loss control staff of PComp will visit the prospective
member and evaluate the objectives listed below. The staff will then prepare a report for
the PComp Board outlining the county's (or county-related entity's) present level of attainment of each of the objectives. If any or all of the objectives are not being met prior
to entry, the report must contain a written affirmation by the prospective member to implement the entire Loss Control Policy, within the time periods indicated below. The report will be considered by the Board when action is taken on the prospective member's
admission to PComp.
In addition, each member's implementation of the Loss Control Policy may be reviewed
annually, and failure to adhere to the policy or to implement objectives in the proscribed
time may result in adjustments of premium or expulsion from PComp.
PREMIUM REDUCTION PLAN
A plan to reward loss control activities by reducing premium in PComp has been
approved by the Board for satisfactory completion of the various portions of the
PComp Loss Control Policy. A maximum 5% reduction in premium is available
for the satisfactory completion of all parts of the Loss Control Policy. The percentage of premium reduction for each section is indicated following the heading
of each section.
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PComp Loss Control Policy
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Policy Year 2002
1. Loss Control Coordinator, Claims Coordinator
The member must select an employee to be Loss Control Coordinator for PComp. For
counties who are also members of PCoRP, it is strongly recommended the same person be Loss Control Coordinator for both programs.
A Claims Coordinator must also be selected.
The Loss Control Coordinator should be appointed by the commissioners or agency director, and should be able to report directly to the commissioners or agency director.
The individual should have the respect of all county department heads, or agency supervisors. If the member has a full or part time risk manager on staff, this person
should be designated the Loss Control Coordinator.
The Loss Control Coordinator should be a management level staff member who has an
interest in or knowledge of insurance or loss control. The individual should not be selected solely because they work with county property, maintenance or personnel issues.
The Claims Coordinator should be the person who is actually completing loss report
forms to PComp, or that person's supervisor.
COMPLETION DATE: A Loss Control Coordinator must be named prior to admission to
PComp. A Claims Coordinator must be named within one week of joining PComp.
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
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PComp Loss Control Policy
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Policy Year 2002
2. Loss Control Committee
Total premium reduction for section 2 is 1.0%, which is contingent upon a fully
functioning loss control or safety committee.
A. If the loss control committee (A) was in place for the past 12 months and
met at least 4 times in the year, the earned reduction is 0.3%.
B. A safety policy statement shall be developed and implemented. The policy statement should receive continued support by the Commissioners or
directors of the agency. 0.34% may be claimed for this action.
C. The completion or continued activity represented in paragraphs C-H of
this section, entitles the member to claim an additional 0.36%.
0.06% credit for each of subsections C, D, E, F, G, H.
A.
A loss control committee with a minimum of 5 people shall be appointed by the
commissioners or director of the agency. All departments within the organization
should have representation on the committee. The chairperson of the committee
should be a department head or other management staff member. The chairperson may be designated by the commissioners or agency director, or may be
elected from within the committee. The chairperson should not be the county's or
agency's Loss Control Coordinator.
B.
Safety in any organization starts at the top. A safety policy statement for the
county or entity shall be developed and signed by the commissioners or executive director. The safety policy statement should be publicized in order that all
county or entity personnel are aware of the policy.
C.
The committee will review all accidents, incidents and "near misses". The goal
of the committee is to identify ways to prevent reoccurrence of these events, not
to assign blame or become involved in disciplinary matters.
D.
The committee will review all Job Safety Analysis (JSA's) after they have been
developed and written.
E.
Self inspection reports or hazard identification reports of the county or agency
facilities shall be completed at least quarterly and shall be reviewed by the loss
control committee.
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
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PComp Loss Control Policy
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Policy Year 2002
F.
The committee will provide regular written reports to the commissioners or agency director, and to PComp. The reports shall identify specific programs implemented to reduce/prevent losses, problems with implementation of programs,
and future program goals (what to do, why the goals were selected, and how to
achieve goals). Note: The minutes of the committee meeting are acceptable as
the report to PComp, provided the minutes contain the information indicated
above in this paragraph.
G.
The committee will review all training records as they relate to the continued
safety and health of all county or agency personnel.
H.
The committee will review all loss control training programs and their effectiveness.
COMPLETION DATE: The loss control committee must be in place and functioning
within 6 months of admission to PComp. The committee shall remain functioning and
active as long as the county or agency is a member of PComp.
3. Personnel Management
The total premium reduction which may be claimed for this section is 1.0%.
A.0.15% may be claimed for completion and continued maintenance of
SOP's and or Job Descriptions.
B.0.15% may be claimed for completion and maintenance of JSA's.
C.0.2% may be claimed for completion of paragraph C requirements.
D.0.2% may be claimed for paragraph D requirements.
E.0.2% may be claimed for paragraph E.
F.0.1% may be claimed for paragraph F.
A.
Standard Operating Procedures (SOP's), Job Descriptions, shall be completed
for all county or agency positions.
B.
Job Safety Analysis (JSA's) should be completed for all positions.
C.
Newly hired employees shall receive complete orientation and training. All personnel shall be educated and trained in how to conduct their job safely. SOP's
and/or JSA's shall be reviewed during the orientation and training process.
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
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PComp Loss Control Policy
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Policy Year 2002
D.
Provide an annual review of job specific SOP's and/or JSA's by the employee
and supervisor. Changes in the job should be reflected in the SOP's and JSA's.
E.
The county or agency shall have a written personnel policy. The policy should
contain procedures for hiring, firing, discipline, documentation, education and
training, safety, drug and alcohol use, in addition to employee benefits and other
requirements of employment.
F.
Documentation shall be maintained. Records, signed by the employee, shall be
maintained indicating all education, training and policy or procedure reading. A
statement describing the specific policy, procedure or education should be
signed and dated by the employee and maintained in file.
COMPLETION DATE: The entire Personnel Management section shall be completed
within 2 years and then maintained current thereafter.
4. Accident Reports and Records
Total of 0.5% premium reduction may be claimed for section 4.
A. 0.25% premium reduction may be claimed for the prompt completion of
accident reports.
B. 0.25% premium reduction credit may be claimed for the accident investigation and review.
A.Supervisors will report every employee injury immediately. The accident report
shall be forwarded to appropriate person (claims coordinator) to report to WCASC
(PComp) and/or PA Bureau of Workers Compensation. Supervisors will complete an
accident report (on PComp or equivalent forms) indicating specifically what happened
and why it happened.
B.An accident investigation shall be completed to determine the cause of the accident
or incident in order to prevent a recurrence. The report should also be submitted to the
loss control committee for review.
COMPLETION DATE: Upon admission to PComp and continued thereafter for the total
duration of membership with PComp.
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
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PComp Loss Control Policy
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Policy Year 2002
5. Emergency Procedures
Total of 0.5% premium reduction for completion of section 5.
A. 0.15% for the written emergency evacuation plan.
B. 0.15% for posting of evacuation plans or diagrams.
C. 0.20% for evacuation drills.
A.
The member must have a written emergency evacuation plan for each building.
B.
Evacuation plan diagrams must be posted in all buildings.
C.
Periodic (at least semi-annual) drills must be held.
COMPLETION DATE: Within 6 months of admission to PComp. Emergency and evacuation plans shall be maintained current at all times and the training or drills should be
continued.
6. Medical Program
Total of 1.0% premium reduction may be claimed for the completion of section 6.
A. 0.20% for part A, follow-up with injured employee.
B. 0.40% for part B, panel of physicians.
C. 0.40% for part C, return to work program.
A.
Supervisors shall follow-up by phone with injured employees with the first few
days after an injury that results in time lost from work. Should there be extended
loss time, the injured employee should be contacted at regular intervals. A notation of the call should be maintained indicating the date, time and general nature
of the discussion. This notation should be recorded in the personnel file or an incident file if such is developed.
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
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Policy Year 2002
B.
The county or agency shall develop and maintain a designated physicians list or
panel of physicians in accordance with the Pennsylvania Workers Compensation
Act. The employer shall designate a list at least 6 health care providers. The
employee with a work related injury shall be required to visit one of the designated health care providers for a period of 90 days from the date of the first visit.
The list of physicians or health care providers shall be submitted to PComp for
review and approval.
C.
The member shall adopt a return to work program approved by PComp. The
employee should be encouraged to return to work (or modified duty) as soon as
the treating physician determines that return to work is medically feasible.
COMPLETION DATE: Within 30 days of admission to PComp, preferably prior to admission. The Medical Program shall be continued active for the duration of membership with PComp.
7. Additional Loss Control Activity over the past 12 months.
Total of 1.0% premium reduction may be claimed for the completion of this
section.
A. 0.25% may be claimed for the participation in NSC Defensive Driving
Course Workshops sponsored by PComp or PCoRP. This may also be
claimed for DDC training provided by other certified DDC instructors.
B. 0.25% premium reduction may be claimed for staff participation in two of
the PComp sponsored workshops.
C. 0.5% may be claimed for the development and implementation of an auto fleet safety program, also known as the “Vehicle Loss Contol Management Program”
A.
The National Safety Council, Defensive Driving Course was presented several
times in DDC Workshops conducted in the Spring and Fall, (Fall 1998 and
Spring 1999), at various locations throughout Pennsylvania.
Several PComp counties or agencies have on staff trained NSC, DDC Instructors. Training presented by any DDC certified instructors is acceptable.
B.
PComp sponsors the PComp Loss Control Workshop and cosponsors the Personnel Workshop and other special topic workshops. Workshops are provided
for the continued education and training of the staff of PComp member counties
and agencies.
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
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PComp Loss Control Policy
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Policy Year 2002
C.
In October 1998, a loss control workshop was presented outlining the need and
requirements of a fleet safety program or “Vehicle Loss Control Management
Program.” Credit will be given for such a program having been developed and
implemented within the PComp member county or agency. (A copy of the written program may be requested to document this credit activity.)
The PComp Loss Control Policy and any future surveys of your premises, equipment, or operations are solely for the purpose of
supporting the function of risk underwriting. Recommendations are not intended as substitutes for advice from safety experts or legal counsel which you may retain for your own purposes. Further, compliance with recommendations in no way guarantees the fulfillment of your obligations as may be required by any local, state or federal laws and regulations.
PCmp2002LCP
2002 PComp Loss Control Credit Worksheet
Review of Loss Control activity over the past 12 months,
provides premium credit for 2002 PComp policy year.
PComp Member (County or Agency):
Person Completing
This Form:
(Please print name & phone number)
Check the block next to each portion of the Loss Control Policy your county or agency has completed. Then total the credits, sign the form, and you may FAX it to Kathy Sherlock, CCAP Insurance
Programs. Please mail the original to CCAP Insurance Programs, P.O. Box 60769, Harrisburg, PA
17106-0769.
Credit Available for Each Section
 0.30% (2.A) Loss Control committee
 0.15% (5.A) Written evacuation plan
 0.34% (2.B) Safety Policy Statement
 0.15% (5.B) Post plans or diagrams
 0.06% (2.C) Review accident/incidents
 0.20% (5.C) Evacuation drills
 0.06% (2.D) Review JSA's
 0.20% (6.A) Follow-up injured employee
 0.06% (2.E) Self inspection reports
 0.40% (6.B) Panel of physicians
 0.06% (2.F) Report to commissioners, etc.
 0.40% (6.C) Return to work program
 0.06% (2.G) Review training records
 0.25% (7.A) Defensive Driving Workshops
 0.06% (2.H) Review LC training programs
 0.25% (7.B) Attend PComp Workshops
 0.15% (3.A) SOP's & Job Descriptions
 0.50% (7.C) Vehicle LC Mgmt. Program.
 0.15% (3.B) Completion of JSA's
 0.20% (3.C) New hire orientation & training
%Total Premium Reduction Credits
Maximum available credit is 5.0%.
 0.20% (3.D) Annual review SOP & JSA
 0.20% (3.E) Written personnel policy
Signature
 0.10% (3.F) Documentation
 0.25% (4.A) Report employee injuries
 0.25% (4.B) Accident investigation
PCmpRecap2001LCP.lwp
Title
(Signed by commissioner, director, administrator or
chief clerk).