By Donna Motley
Vice President of Claims

By the time you are reading this, summer is technically over. Students return to class, fun in the sun vacation time is pretty much regulated to weekends only. Statistically, work related injuries increase over the summer. Thinking back on Summer 2025, with the heat we experienced, an increase in injuries involving outdoor workers would not seem unusual. Another statistic indicates approximately 40% of summer work injuries are sprains, strains and tears. Possibly these injuries are attributed to employees taking vacation time and co-workers having to pick up the slack. A “pre-injury” could have occurred while having fun on the weekend, thereby setting you up for a more serious injury as a result of work duties. The heat index, or thoughts about upcoming plans could result in simple inattention.

By Megan Brown ARM, CWCP, CAWC
President

Due to recent pending legislative changes, I thought that it would be beneficial to provide the history of workers’ compensation as well as where we are today.

Workers’ Compensation is a state-mandated insurance program that provides wage replacement, medical treatment, and rehabilitation benefits to employees who are injured while performing their job duties.

By Chris Demeter
Senior Loss Consultant

Young workers experience high rates of job-related injuries. According to the Department of Labor, in fiscal year 2020, teens aged 15 to 19 were treated in the emergency room for a workplace injury about every five minutes. These injuries often result from the numerous hazards present in the places where they typically work, such as sharp knives and slippery floors in restaurants. Young workers are particularly at risk for workplace injuries due to their inexperience, as well as their physical, cognitive, and emotional developmental traits. Additionally, a lack of safety training contributes to the high rates of injury. They often hesitate to ask questions and may fail to recognize workplace hazards.

To help address this issue, MIOSHA enacted the Youth Employment Standards Act 90 of 1978. The Act defines a minor as anyone under 18 years of age, including but not limited to employees, volunteers, independent contractors, and performing artists.

By Ruth Kiefer, MSc, ARM
Vice President of Loss Control

To help you stay up to date on the most cited serious violations from MIOSHA, I attended CET’s annual release of the top 20 that they provide at their annual Michigan Safety Conference. You should be aware that both the number of citations and fines have increased 18 percent since 2023. In 2024, MIOSHA collected approximately $2.62 million in serious violations alone.

On the General Industry Safety violation side, approximately 546 citations were issued in 2024. They collected $1.9 Million in fines, which averages out to $3,400 for the average safety citation. Now for the Health side of things, as there are always two parts. The health side issued 547 citations and collected $659,700 in fines. The average citation per location was $1,200. If you are unsure if you have a Health or Safety violation, please contact your Loss Control Consultant for more guidance of these most cited violations listed below. We are happy to help you stay in compliance.

Donna Motley
Vice President of Claims

I read a recent statistic listing the “most dangerous” jobs; they were :

1. Logging
2. Fishing & Hunting
3. Structural Iron & Steel Workers
4. Roofing
5. Aircraft pilots.

Dissecting these professions support the “danger” of the job. However, “danger” does not necessarily equal injury severity or frequency.

By Ruth Kiefer, MSc, ARM
Vice President of Loss Control

As many of you have already experienced, MIOSHA had a full complete year of compliance audits and are on a roll. To help our policyholders stay on track, we always try to provide CET’s annual release of the top 20 that they provide at their annual Michigan Safety Conference. On the General Industry Safety violation side, approximately 500 citations were issued in 2023. They collected $1.33 Million in fines, which averages out to $2,606 for the average safety citation. Now for the Health side of things, as there are always two parts. The Health side issued 565 citations and collected $823,200 in fines. The average citation per location was $1,456. If you are unsure if you have a Health or Safety violation, please contact your Loss Control Consultant for more guidance of these most cited violations below. We are happy to help you stay in compliance.

By Chris Demeter, Senior Loss Control Consultant

Lockout/tagout is not a topic to take lightly when it comes to the safety of your employees. Improperly following procedures or having no procedure at all is a serious MIOSHA offense, and fines are applied accordingly. Lockout/tagout is a critical safety component in safeguarding workers around the equipment they operate, service and maintain. For yet another year, MIOSHA’s Lockout/Tagout Standard made the list of the top 10 most frequently cited Standards. The most-cited sections within this standard focus on procedure development and use, inspections, employee training, and notification of the application and removal of lockout or tagout devices.

By Donna Motley, Vice President of Claims

Let’s face it, we’ve been lucky so far! Living in Michigan and having temperatures in the 50’s in December? That wasn’t very common when I was growing up! I know I’m sounding old, but I can remember a Thanksgiving where there was three feet of snow on the ground! But, most likely, the snow is on its way. Or maybe even worse – ICE! Now is the time to prevent possible future injuries. “Ice and snow” are synonymous with “slip and fall”. Before the elements arrive, it would be a good idea to check the condition of your parking lot and fix the cracks and pot holes. Have the bag of salt or deicer on hand and ready to be spread. Inspect for accumulations of water, ice and snow. Make sure your outdoor cameras are operating properly. Inspect the mats inside the entrance and exit doors – are the corners curling (another trip hazard), are the mats thread bare, has the back-side lost their grip (i.e. do they slide)?

By Ruth Kiefer, MSc, ARM
Vice President of Loss Control

During my facility visits this year I was surprised by the amount of MTMIC policyholders that had not submitted their 300A electronically for the 2022 year. This oversight on average cost each policyholder anywhere between $600-$1,400 in a MIOSHA penalty fine.

By Travis Halsted, ARM, COSS
Loss Control Specialist

As the leaves start to change colors, the temperatures dip at night, and the trick or treaters are developing their gameplan to get the most candy possible, we can’t help but notice that one particular item isn’t changing in our workplaces. That particular item is the need for employees. Temp agencies aren’t producing the number of employees that they were before, applications from potential hires have slowed to a trickle, all while production is starting to increase in several industries. Because of this, companies have turned to their office staff to enter the manufacturing floor, and fill some of the vacant positions. This can prove to be an immediate solution, but without addressing proper training this could also prove to create more challenges.

Legislation that Can’t be Ignored

For the last ten years I have avoided jumping into the legislative process. Like most of our shop leaders, I view my job is to work hard and get the best results possible in the environment that surrounds us. When legislation would change matters, my job would be to adjust and figure out how to succeed and represent our members with the best results possible. I think that’s probably what most of our shop managers do. However, things change and all of a sudden it appears that we have no choice but to be more involved.

As I look at the legislative changes for our shops in just the last eight months, there have been dramatic shifts in policy that effects our businesses. As many of you are aware, we have been active partners with the Michigan Manufacturers Association. They have a strong legislative arm. MTM is also a member of the Insurance Alliance of Michigan (IAM). That is a group of insurance companies that also has a legislative presence. For the most part MTM and myself individually have attended but not been active in those legislative efforts. With the introduction of House Bill 4390, it is obvious to me that we must be more involved and encourage our members to be involved also.

By Ruth Kiefer, Vice President of Loss Control

MIOSHA is back out in the field with a seemly whole new crew of enforcement officers and they are knocking on lots of policyholder doors. After a few years off due to Covid, it is now necessary that you put safety back into the forefront of your businesses. It is very important that you take this time to dust off your safety programs and review your programs and when the last time your employee’s were trained. You need to ensure that your safety training is up-todate or determine if you are missing some programs due to new equipment installed or change of staffing.

You can find all the necessary safety programs on our portal. These safety programs are fill-in-the-blank templates that help you satisfy the written program requirements for MIOSHA. Also on the portal is everything you need for your safety training requirements as well, with well over 700 videos you’ll definitely find what your looking for. If you need to narrow the scope of your training needs, reach out to your MTM loss control person so they can direct you to the right video or written program.

By Donna Motley, Vice President of Claims

Michigan Workers’ Compensation Administrative Rules dictate that once a claim form concerning an employee work related injury is submitted to the Workers’ Compensation carrier, the Workers’ Compensation carrier has 30 days to make a determination “of some kind”. A definite or final determination of benefits does not have to be made when a claim is first filed with the carrier; BUT the claim has to be addressed. If the initial investigation results in the carrier being able to make a determination that the claim is valid, benefits commence. Benefits would include authorization for medical testing and/or treatment, payment of related bills submitted and payment of wage loss benefits if/when applicable.

If the carrier is unable to make a valid determination within 30 days, it usually means additional investigation is necessary, medical records need to be obtained, written statements requested, a medical evaluation scheduled, etc. The 30 day clock is ticking, so the carrier has to file a form with the State of Michigan entitled Notice of Dispute. The Dispute includes the reason why it is being filed – under the above circumstances the reason would be “Further Investigation Required”, “Additional Information Required from Employee” or “Other”.

By Melanie English, Underwriter / LPT Program Manager

The MTM Underwriting and Marketing Departments regularly receive inquiries about Workers’ Compensation coverage for our Member’s out-of-state employees. Often it is because a Member has hired a salesperson, clerical staff or installers who work in other states or an acquired out-of-state facility. Due to an increase in these inquiries, we thought it was a good time to update you on the out-of-state coverage requirements.

By Donna Motley, Vice President of Claims

Summer in Michigan! It seems like we have been waiting a long time this year for the arrival of summer. Not that we had a harsh winter or even a long winter – it just seems that our weather has been so up and down. I think when you live in a State that has snow, ice, cold temperatures and power outages, you work hard and like to play hard too ! At the first sight of 60 degree temperatures, people native to Michigan break out the shorts and flip-flops. We’ve been waiting and we are anxious!

First of all, we have to clean up from the winter or maybe even the left-over fall season. Now we can ride our bicycles or motorcycles. We can plant and maintain our flower or vegetable garden(s). We can hand-wash the car, wash windows, cut grass, trim bushes. We can now golf, play baseball, swim in a pool or lake, play horseshoes, cornhole, Jarts, you name it. Let’s not forget about boating, jet or water ski’s, tennis, maybe even Pickleball? Camping and campfires (setting up and tearing down). Traveling to other states or countries, hiking, and all around site seeing.

By Travis Halsted, ARM, COSS, Loss Control Consultant

The Future is Here

As we look outside every morning, we see that the weather is improving, and we are starting to shake that cabin fever. The sun hits our faces on the way to work, and optimism fills us for the upcoming day. Regardless of the industry that you work within, most of us are all met with the same issue once we arrive in our parking spots. That issue is simply people, or the lack thereof. The ability to not only find people willing to work, but to secure them for a period of time that extends past the first day is quite a feat as of late. Very few places have been able to combat this issue, but some of the manufacturing facilities have found a possible resolution. This resolution is simply re-placing the position in which an employee would be with a collaborative robot, or often referred to as “cobots”. As labor costs continue to rise, as does the need for flexibility in automation, mixed with the aforementioned shortage of qualified workers, employers are finding these cobots to not only be an option, but more so as their only option. The sales of these robots had grown to $400 million in 2017 but is expected to climb as high as $7.5 billion by the year 2027.

By Ruth Kiefer, Vice President of Loss Control

This year our Loss Control department has completed accident investigations for more fork truck related injuries than any other year I have seen in my 17 years at MTM.We have had crush injuries from running over other persons feet, dropping loads on others, being ejected from the fork truck, and pedestrians being struck by fork trucks. So I am here to remind you of some safe travel practices that your operators should take when driving the industrial truck.

By Donna Motley, Vice President of Claims

Before setting goals, you need to evaluate the past. I’m not referring to New Year Resolutions – I’m referring to behavioral changes. Review the work related injuries that occurred at your facility this past year. If you count “zero” – keep up the good work – something is working in your favor! Is it your safety program? Safety meetings? Safety training? A Safety reward program? Open communication with your employees? Work place culture? All of the above?

Did your facility record a “near miss” or two? If so, consider a near miss to be a “warning” of what could have happened. Review the near miss scenario to de-termine what could have happened, i.e. the worst case scenario. Then review and implement corrective actions to avoid another such incident. Michigan is a “no-fault” system. Workers’ Compensation benefits are not deter-mined based on whether or not the employee was “at fault”, resulting in the injury. The only exception is if the employee is injured as a result of their intentional and willful misconduct, (i.e. – the employee punched the wall in anger).

By Donna Motley, Vice President of Claims

When someone tells you they have “good news” and “bad news” – which news do you want to hear first? For me, it depends on what kind of mood I’m in at the moment. As we all know, we are still feeling the aftershock of COVID-19 – and maybe will for a long time to come. One of the negative events was termed “The Great Resignation”. Employees resigned from their employment in record numbers. A large segment of those ending their employment were of, or nearing, retirement age. This resulted in a large loss of “experienced and skilled” employees. This loss of experience has a major impact on the employer, regardless of the industry; industrial, hospitality, construction, trucking, etc. This is bad news for employers.

After two years, The Great Resignation has morphed into “The Great Reshuffle”, meaning a significant number of employees that resigned (or were let go) are now working their way back into the workforce. Some workers returning to the same industry they worked in the past; some workers are attempting new career paths. Reports indicate that in May 2020, 54% of workers 55 and older were either working remotely or unable to work at all (in their particular industry). Today, that figure has decreased to 15%. The U.S. Bureau of Labor Statistics indicates that by year 2030, one in four U.S. workers will be 55 or older. That is the good news!

By Ruth Kiefer, MSc, ARM

As the pandemic created a bit of a challenge for us during the past two years, it also created a fiscal challenge for MIOSHA compliance. In review, pre-pandemic era of 2019, MIOSHA issued 543 safety related violations and collected $1.38 million in fines. In 2020, they issued 352 and collected $1.07 million in fines. I have yet to find the 2021 data, so we have a gap year of 2021. With this said, you can see that they were still out conducting some visits in the 2020 year but have a lot to make up. I would like to take this opportunity to contrast the two years to show you that some of these safety violations remain a top priority in MIOSHA’s enforcement efforts and should be a top priority to address in your facilities prior to a compliance visit.

As a reminder, this is only a partial list of possible things they can look at, the above is just some of their top SERIOUS violations. These were the most common violations between the two years and with the most for you to lose in penalties. As enforcement is increasing their efforts to address their fiscal short fall, I would highly recommend that you contact your Loss Control Representative and invite them in. We can take a proactive approach to address some of the safety items that may have creeped back into your facilities over the last two years. The pandemic shifted the way we did business and ran our facilities, as we migrate back to normal, so must we all in complying with the MIOSHA standards of safety. We’d love to help you!