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Risk Management for Work-From-Home Employees

We all know that workplace safety is important – but not much thought is given to those who have moved to teleworking during the COVID-19 pandemic. Many companies have found that moving to teleworking worked so well for them, that they have not insisted on people returning to the office full time. 
You can’t realistically go to every employee’s home and inspect their home office set up, but you can provide some helpful guidelines that should reduce the likelihood of work-related injuries at home. 

 

•    Seated desks should be about 29” high. For standing desks, use elbows as a guide for desk height, as it varies from person to person. 

•    The top of your monitor should be at eye level, and about 20-25” from your face. 

•    Try positioning yourself in an area of neutral natural light. A window behind the worker will create a glare on the screen, and a window behind their monitors can make the screen equally difficult to read – and both can lead to eye strain and headaches. 

•    Chances are they don’t have a proper (ergonomically correct) desk chair at home, so they should be able to rest their back against the chair back and their feet on the floor. The employer can choose to provide ergonomic supports for any shortcomings, but the employee can usually do this at home with a phone book under the feet or a rolled towel for added lumbar support.

•    No electrical cords should be running across a walking space, to avoid trip hazards. 

•    Speaking of electrical cords, don’t "Griswold" a home office by using more than one extension cord or surge protector for one area.

•    Have a plan for reporting WFH injuries, and provide injured workers with treatment options that are close to their home. The occ-health centers close to your business may not be convenient for employees in other cities. 

•    Consider having employees sign off on a “work from home” agreement outlining expectations.

Even with all of those checkpoints in place, you could still have an employee file a workers’ comp claim for an injury sustained while working from home. So what happens then? The same standards apply at home as when at a company worksite, which are – did the injury occur in the course of, and arising out of employment?
Examples include a slip and fall from tripping over a computer cord, or carpal tunnel from prolonged and repetitive typing.  The claimant would still have to prove that the injury occurred from an activity exclusively related to their job, and also that it occurred during work hours.


The other big question is, “Did the injury occur when the employee was doing a task to benefit the employer?” If there was no benefit to the employer when the injury occurred, an employer may want to contest that claim. If the employee slips and falls while going to answer the doorbell, where would the benefit to the employer lie?
A lot of gray areas can arise from these types of claims, but the same questions are asked and still need to be met by a claimant filing a workers’ comp claim. If you have questions about compensability of an at-home injury, please reach out your claims examiner at Spooner Inc. If you're not a Spooner client and would like to learn more about how our claims management team handles these gray areas to Brian Davis at 440-596-1978.
 

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Important BWC Dates to Remember

Posted By Brandy King
February 19, 2025 Category: Ohio Bwc, Ohio Safety Congress, Self Insured Assessment, Dfsp, Drug Free Safety Program, Cirp, Claim Impact Reduction, One Claim Program

Employers participating in Ohio BWC’s Drug-Free Safety Program (Basic or Advanced) or a Comparable Program will need to submit their required reports by March 31. The report and instructions for Basic and Advanced participants can be found online here, and the report and instructions for Comparable-Level participants can be found online here. Your report also serves as an application for the next program year. If you have additional questions or concerns about this reporting, or need a resource for training, please reach out to your Client Services Manager at Spooner Inc., or email clientservices@spoonerinc.net.  If your policy is enrolled in the Claim Impact Reduction Program (CIRP, formerly known as the One Claim Program), you will need to complete the required training by March 31. A representative from your company must attend a half day class or three hour online class offered by BWC’s Division of Safety & Hygiene. This PDF has additional details about CIRP that first-year participants may find helpful.  For self-insured employers, annual self-insured assessments are due February 28th.  Ohio Safety Congress registration recently opened as well. This three day educational event is free to attend for employers with an active Ohio BWC policy. The Expo Marketplace will be open Wednesday and Thursday, and we encourage you to come visit us in booth 129! You can register for Ohio Safety Congress

2025 Group Retro Deadline Approaching

Posted By Brandy King
January 15, 2025 Category: General

The clock is ticking on Group Retro enrollment for the 2025 Ohio BWC policy year! The deadline for Group Retro paperwork is January 27, 2025. If you're a Spooner client enrolling in Retro, you should have already received your program renewal from us. If you haven’t, please reach out to your client services manager. If your BWC policy was disqualified for savings programs for 2025 or you don’t have the flexibility of waiting to see savings, we’d also encourage you to explore SuretyHR, our self-insured PEO (professional employer organization). SuretyHR is an alternative to being insured by Ohio BWC for workers’ compensation. By creating a co-employment relationship with other employers, we’re able to place them in our own self-insured workers’ compensation plan. PEO clients also have the added benefit of SuretyHR’s team assisting with safety, HR, FMLA and unemployment claims administration, and quite a bit more. You can request a savings analysis from SuretyHR

We Won Again: An Update on Withheld Group Retro Refunds

Posted By Brandy King
January 07, 2025 Category: Ohio BWC, Group Retro, 20018 Group Retro, 2019 Group Retro, Group Retro Refunds Withheld

The team at Spooner Risk Control Services, Kent Elastomer Products, Inc. and Roetzel & Andress have scored another win in the fight to get businesses the Group Retro refunds they’ve earned. Background: At the end of 2020, we shared Ohio BWC’s decision to withhold Group Retro refunds owed to participating employers for the 2018 and 2019 policy years. This was based on the concept that employers were already returned 100% of premiums for those years via dividends released to Ohio employers in April and October of 2020. However, dividend distribution and Group Retro refunds are governed by different rules, and different portions of the Ohio Revised Code. We appealed this decision in August 2020, kicking off a legal battle with Ohio BWC that will continue into 2025. After the victory for Group Retro participants in February 2023, BWC appealed the magistrate’s ruling, stating five objections. A hearing was held on November 19, 2024 by the 10th District Court of Appeals, and four of the five objections were overruled. For the reasons detailed here, the court again ruled in favor of Ohio businesses granted a limited writ of mandamus (meaning BWC is obligated to pay out Group Retro refunds).   Hellbent on not paying these earned program refunds to employers, BWC chose to file yet another appeal on December 30, 2024 arguing their reasoning for withholding the refunds. From here, the matter will be referred to the Supreme Court of

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