Safety & 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 total incurred Workers Compensation claim was $4,835 in 2021 with 10% of claims going over $10,000.1
53.7% of the total incurred loss dollars are related to slips & falls.1
81.8% of all Workers Compensation claims in 2021 resulted in lost time from work.1

Key Risk Insights

Test Your Knowledge: Slips, Trips & Falls

Slip, trips & falls represent 47.9% of all Workers Compensation claims and 53.7% of the total incurred loss dollars.1 Use this quick quiz to help you identify risks and educate your employees at your credit union.

Employee Wellness

Reporting Incidents and Return-to-Work

  • Educate all employees that the credit union has a specific process to ensure that the injured worker receives proper medical care with the goal of returning to work
  • Encourage employees to report all injuries or illnesses immediately
  • The sooner an incident is reported, the lower the cost of the claim and the sooner the employee returns to work, according to research from The Hartford
  • Investigate incidents to determine possible causes and solutions to prevent similar incidents
  • Commit to making meaningful transitional work assignments — e.g., modifying workstations, restructuring job tasks, offering scheduling flexibility — to assist with return-to-work efforts

Safety Meeting Tips

  • Regardless of the size or scope, safety meetings should fit comfortably into workers’ schedules
  • Empower workers to become better problem-solvers and decision‑makers
  • Employee involvement is critical. Use safety meetings to cultivate leadership skills
  • Identify, discuss, and correct workplace hazards via workplace safety analyses and inspections
  • Discuss safety and wellness procedures and philosophy. Look for ways to keep employees actively engaged
  • More frequent, shorter meetings can be successful. Consider holding quick five or ten-minute department talks or huddles periodically to discuss office safety
  • Account for the season of the year and weather conditions in your area

They Said It

Safety meetings don’t have to be boring! Add something unusual like a question, quiz, or activity to the discussion mix to spur interest and engagement. Encourage each employee to be prepared to identify a specific problem. Everyone wants to be a problem-solver.

Brad Neumann
Senior Risk Consultant
CUNA Mutual Group
CUNA Mutual Group logo

A careful selection of footwear by employees can significantly help reduce the risks of slipping and falling. Many organizations have even opted to offer footwear program discounts like Shoes for Crews.

Brian Walker, CSP, ARM
Sr. Risk Consultant
The Hartford

The Hartford logo

Resources 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 or policyholders of The Hartford can also access (policy number required).

For questions on risks, contact a CUNA Mutual Group Risk Consultant at 800.637.2676 or at (opens 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, January 2022
2User ID and password required

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.