Worker Health, Safety, and Environment

**Safety statistics (e.g., incident rate, EMR)**

OSHA has defined terms related to work related losses

1. Occupational Injury is any injury such as a cut, fracture, sprain,
amputation, etc. which results from an exposure involving a single
incident in the work environment.
2. Occupational Illness of an employee is any abnormal condition or
disorder, other than one resulting from an occupational injury caused by
exposure to environmental factors associated with employment. It includes
acute and chronic illnesses or diseases which may be caused by inhalation,
absorption, ingestion, or direct contact.
3. Lost Workdays are those days which the employee would have worked
but could not because of occupational injury or illness. Also need to account
for diminished long term performance.
4. Recordable Cases are those involving an occupational injury or
occupational illness, including deaths. Not recordable are first aid cases
which involve onetime treatment and subsequent observation of minor
scratches, cuts, burns, splinters, etc., which do not ordinarily require
medical care.
5. Nonfatal cases without lost workdays are cases of occupational injury or
illness which did not involve fatalities or lost workdays but did result in (1)
transfer to another job or termination of employment, or (2) medical
treatment other than first aid, or (3) diagnosis of occupational illness, or (4)
loss of consciousness, or (5) restriction of work or motion.

www.learncivilengineering.com

Safety statistics (e.g., incident rate, EMR)

Injury and Loss Statistics

There are several different statistics that have been defined

and collected by government and industrial agencies

OSHA Incident Rate = (# of Injuries&Illness*200,000)

Total hrs all employees

Fatal Accident Rate = (# of Fatalities*108)

Total hrs all employees
Fatality Rate = (# of Fatalities / yr)
Total # people Exposed

Accident Pyramid
Typically there are numerous
property losses and minor
injuries for every fatality
An accident is usually visible
the day before it happens

Safety statistics (e.g., incident rate, EMR)

The Experience Modification Rate or EMR

-->

The Experience Modification Rate or EMR is a computation performed by the

National Council on Compensation Insurance. EMR is used to determine safety
standards at a company and investigate workers' compensation claims within a
business. EMR is calculated exclusively by the council, which then gives the results
to companies through their insurance agencies at the beginning of each fiscal year.
While EMR often seems baffling to new business owners, it is actually a very
straightforward computation that should only take a few minutes to understand.

1 Obtain your EMR rate information from your insurance agency. All
insurance agencies are required to provide the EMR rate to their corporate
customers at the beginning of each fiscal year. If you are unsure about your
current EMR rate, contact your insurance agent to find out what your rate is.
Your EMR rate can also be found on the "Declarations" page of your
company's workers' compensation policy.

2 Decode the value of your EMR rate. EMR rates are denoted in values
ranging from 0.0 to 2.0. An EMR rate of 1.0 means that no adjustment is
performed before calculating your premiums. A 1.20 EMR rate means that
your premiums are increased by 20 percent to compensate for a higher-thanaverage number of workers' compensation claims coming from your
company. Conversely, a 0.80 EMR rate would reduce your premiums by 20
percent to reward a company with a lower-than-average number of workers'
compensation claims.

3 Multiply your annual workers' compensation premium by your EMR rate to

determine your adjusted premiums. If your annual workers' compensation
premium was $78,000 and you had an EMR rate of 1.20, your adjusted
premium would be $93,600. If your EMR rate was 0.80, your adjusted rate
would be $62,400. This can allow you to better plan for your insurance costs,
and can provide valuable insight into how your company compares to the
average in your industry.