Injury Impact Report
The Travelers Companies Inc. recently released its Injury Impact Report, which identifies:
- The most common causes of workplace accidents and injuries.
- The most common injuries and average days away from work for each one
- The costliest injuries.
Number of Injured Workers
Roughly 3.7 million workers are injured each year.
Complete case management.
Case management is important because one-third of patients do not follow the treatment plan, Wells says.
1.5 Million Compensation Claims Analyzed
Travelers Companies Inc. analyzed more than 1.5 million workers’ compensation claims filed between 2010 and 2014 from a variety of business sizes and industries.
The Most Common Causes of Workplace Accidents and Injuries
- Material handling - Lifting, lowering, filling, emptying or carrying an item caused several injuries, the most frequent being strains and sprains, cuts or punctures, contusions and inflammation. (32 percent)
- Slips, trips and falls (16 percent)
- Being struck by or colliding with an object (10 percent)
- Accidents involving tools (7 percent)
- Cumulative trauma (4 percent)
- All other (31 percent)
The Most Common Injuries
The top five injuries as a percentage of total claims were strains and sprains (30 percent), cuts or punctures (19 percent), contusions (12 percent), inflammation (5 percent) and fractures (5 percent). When broken down by business size and a sampling of industries, strains and sprains topped all lists for the most common type of injury except for small businesses, which experienced cuts or punctures most frequently, followed by strains and sprains. Eye injuries were among the most common injuries in both construction and manufacturing.
Average Days Away from Work
On average, employees who experienced one of these commonly occurring injuries missed a number of days of work, ranging from a low of 24 days away for a cut or puncture, to 91 days day for inflammation. Contusions averaged 27 days away from work, sprains/strains averaged 57 days away from work and fractures averaged 78 days away from work.
The Most Common Injuries by Business Size
Small businesses experienced a greater number of cuts and punctures (29 percent), wile midsized businesses (29 percent) and large businesses (33 percent) experienced more sprains and strains.
Costliest Injuries Not the Most Common
The costliest injuries were not the same injuries that occurred most often. Heading the list was amputation, which had the highest average cost* per claim of $102,500. Dislocation was second costliest at $97,100. Electric shock was third ($55,200), crushing fourth ($54,600) and multiple trauma, the fifth costliest at $50,000.
The Average Claim Cost of the Top 5 Most Frequent Injuries
By contrast, the average claim cost per injury for the most frequently occurring injuries ranged from $8,000 to $42,400 per claim. Strains/sprains were $17,000, cuts or punctures were $8,200, contusions were $8,000, inflammation was $24,500 and fractures were $42,400.