Safety and Wellness Brief

Minimize your risks and decrease potential losses based on learnings from our Workers Compensation Safety Council participants, The Hartford, and CUNA Mutual Group.

Program Highlights


The average Workers Compensation claim is $3,732 for 2020.1

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Nearly 2,300 Workers Compensation claims totaling approximately $9.5 million in incurred losses over the last five years. 1


47% of the Workers Compensation claim volume over the last five years within credit unions has been attributed to some type of slip, trip or fall.1

Circle with the letter i in itKey Risk Insights

Check out these actual credit union losses:

  • The Case of the Cluttered Office

    An employee was in their personal office when they were walking across the room and did not see the box on the floor catching their toe on the corner. They were unable to keep their balance and fell into the wall sustaining injuries to their head, shoulders and neck. The most significant injury was to the head and neck causing sustained headaches, nausea and dizziness that continued for months causing lost time from work.
    The total loss was $69,000.

  • The Case of a Little Too Late

    An employee was asked by credit union management to go to the local store that was on the same block as the credit union to purchase some salt due to the weather. When they exited the building, the employee slipped on the steps and sustained injuries to multiple body parts. Although the majority of the minor bruises and soreness healed within the expected medical guidelines, the employee reported continued pain and symptoms to the lumbar spine. Additional testing and expert opinions confirmed the need for lumbar surgery followed by therapy with time off of work.
    The total loss was $250,000.

For more loss scenarios involving credit union employees, check out this Credit Union Loss Scenarios resource.

Medical bag with a plus sign on the side Employee Wellness

5 Ways to Prepare for Changing Demographics

  1. Update your education and onboarding process - an important consideration is how different generations of employees learn
  2. Know a role’s physical demands – standing, sitting, lifting
  3. Consider employee comfort with technology and mobile devices
  4. Recognize and appreciate the skills / values of all employees
  5. Improve training against discrimination and negative attitudes

5 Steps to Help Minimize Eyestrain

  1. Keep your screen at arm’s length
  2. Diminish the screen glare
  3. Give your eyes rest time – take a break every 20 minutes by looking at something 20 feet away for 20 seconds
  4. Avoid dry eyes
  5. Pay attention to lighting by adjusting your screen’s brightness

Text bubble with linesThey Said It

Work injuries can be expensive with costs of injury treatment, investigating accidents, implementing corrective measures, training replacement employees, and dealing with lost productivity. It really adds up quickly.

Becky Garton
Risk Consultant
CUNA Mutual Group
CUNA Mutual Group logo

I like to think that anytime is a good time for a safety walkaround. Look to identify easily observable conditions like tripping hazards, partially blocked entries and exits, or just poor office housekeeping that can impact risk and losses.

Bob Bouvier
Risk Consultant
CUNA Mutual Group
CUNA Mutual Group logo

Icon of piece of paper with arrow pointing to linesResources You Can Use...

Review these resources to enhance your focus on emerging risks related to workplace / employee safety.

Additional Resources

For additional employee safety, wellness, or workers compensation tools and resources, check out the Workplace Safety/Wellness page within the Protection Resource Center

For questions on risks, contact a CUNA Mutual Group Risk Consultant at 800.637.2676 or at in a new window)

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Ask a Risk Consultant

Our experienced consultants are here for you. Submit your question here or call us at 800.637.2676 for assistance, insights and risk mitigation tips.

1The Hartford Claim Report, Feb 2021
This resource is for informational purposes only. Some resources found within this website are provided by The Hartford Financial Services Group, which is solely responsible for their content. It does not constitute legal advice. Please consult your legal advisors regarding this or any other legal issues relating to your credit union. Any examples provided have been simplified to give you an overview of the importance of selecting appropriate coverage limits, insuring-to-value, and implementing loss prevention techniques. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Insurance products offered to financial institutions and their affiliates are underwritten by CUMIS Insurance Society, Inc. or CUMIS Specialty Insurance Company, members of the CUNA Mutual Group.