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Statistics for Small Business
Small Business Statistics 2003 - 2007
Overview
- Over the last 5 years (2003-2007) 92% of employers registered with WorkSafeBC were Small Businesses.
- The 2007 Injury Rate for Small Business was 2.5, lower than the All BC Injury Rate which was 3.1. Between 2003 and 2007, the Small Business Injury Rate decreased by 4% while the All BC Injury Rate decreased by 3%.
- In 2007, there were about 647,000 Work Days Lost for Small Business, compared to 2,410,000 Work Days Lost for All BC (28%).
- In 2007, 23% of STD/LTD/FATAL (Short Term Disability/Long Term Disability/Fatal) claims were from Small Businesses.
- In 2007, Small Business accounted for Claim Costs Paid of approximately $155,000,000. Claim Costs Paid for All BC in 2007 was $640,000,000 (24%). [Claim Costs Paid are the total health care payments, short term disability (STD) payments, vocational rehabilitation payments, long term disability (LTD) reserves, survivor benefit reserves and one-time cash awards charged in the year regardless of year of injury].
2003 |
2004 |
2005 |
2006 |
2007 |
Total |
Average |
|
Injury Rate |
2.6 |
2.6 |
2.5 |
2.6 |
2.5 |
2.6 |
|
#STD/LTD/FTL Claims |
12,877 |
13,225 |
13,588 |
13,750 |
14,155 |
67,595 |
13,519 |
Claim Cost Paid (millions) |
$158.3 |
$165.4 |
$164.4 |
$154.2 |
$155.2 |
$797.5 |
$159.5 |
Total Work Days Lost |
619,015 |
670,358 |
640,643 |
634,567 |
646,632 |
3,211,215 |
642,243 |
# Person Years |
481,488 |
494,527 |
524,815 |
535,756 |
550,932 |
517,503 |
|
Assessable Payroll (billions) |
$13.4 |
$14.2 |
$15.7 |
$16.8 |
$17.8 |
$77.9 |
$15.6 |
# Fatal Claims |
56 |
42 |
69 |
48 |
40 |
255 |
51 |
#LTD Claims |
1,271 |
1,118 |
1,242 |
1,062 |
1,077 |
5,770 |
1,154 |
# Young Worker Claims |
2,206 |
2,354 |
2,648 |
2,809 |
2,922 |
12,939 |
2,588 |
# Ergonomic Claims |
3,392 |
3,283 |
3,244 |
3,183 |
3,412 |
16,514 |
3,303 |
# Employers |
154,054 |
158,919 |
169,574 |
174,097 |
178,932 |
835,576 |
Injury Rate: The number of Non-HCO claims per one hundred Person Years -- shows the rate of injuries. Calculations are subject to variability, hence affecting specific levels of precision in such rates. Figures rounded to the closest whole number are a more meaningful indicator of the Injury Rate at a CU level.
# STD/LTD/FTL Claims: A claim is counted as a short term disability (STD), long term disability (LTD), or fatality if the claim had the first short term disability (STD) benefit, long term disability (LTD) benefit, or survivor benefit (fatal reserve set or cash award) made in the year, regardless of the year of injury. The # STD/LTD/FTL Claims is not equivalent to adding #STD Claims and #LTD Claims and #FTL claims together.
Claim Cost Paid: Total health care payments, short term disability (STD) payments, vocational rehabilitation payments, long term disability (LTD) reserves and one-time cash awards, and survivor benefit reserves and one-time cash awards charged in the year regardless of year of injury.
Total Work Days Lost: Total short term disability (STD) days and rehabilitation income continuity days paid in the year regardless of year of injury.
Assessable Payroll: The payroll upon which Assessment Amounts are calculated.
Assessment Amount: The amount of assessment an employer will pay as a result of being assessed at the Net Rate (i.e. with consideration of the experience rating and/or transitioning).
# Young Worker Claims: The # STD/LTD/FTL Claims that are coded to workers between 15 and 24 years of age at the time of injury. (Derived from # STD/LTD/FTL Claims and Injured Worker Age).
# Ergonomic Claims: Ergonomic injury; formerly referred to as Musculoskeletal injury (MSI). The number of short term disability (STD) and long term disability (LTD) claims that are coded with mapped Accident Type of Overexertion or Repetitive Motion. The number of claims is estimated based on the percentage of uncoded vs. coded claims in each year. (Derived from # STD/LTD/FTL Claims that have a Mapped Accident Type code of Overexertion or Repetitive Motion, but that do not have a Stats FATAL Claim Count Indicator).
# ICD9 Serious Injury Claims: The number of short term disability (STD) and long term disability (LTD) claims coded with an ICD9 medical diagnosis that indicates serious injury. Serious injury claims include major fractures (e.g., skull, spine, pelvis, multiple fractures, etc.), amputations, 3rd degree burns, serious eye injuries, and other serious spinal, head or crushing injuries that are based on 165 medical diagnosis type ICD9 codes. These traumatic injuries, which require immediate medical attention, result in significant physical impairment and impact the injured worker's socio-economic well-being. The characterization, context, and meaning of serious injuries can be subject to broad interpretation. The ICD9 medical diagnosis approach serves as a reasonable indicator to capture those claims that constitute serious injuries and it is not intended be an inclusive measure of all such claims. The number of claims is estimated based on the percentage of uncoded vs. coded claims in each year. (Derived from # STD/LTD/FTL Claims that have an ICD9 Medical Diagnosis Type code that meets the Serious Injury criteria, but that do not have a Stats FATAL Claim Count Indicator).
# Employers: The estimated number of employers within each year is based on the number of employers with greater than zero Person Years in the given year. A multi-classification employer will be counted once for each of its classifications that are included in the selection criteria. (Derived from # Person Years)
Small Business: Claim Characteristics
Classification Level: All Classifications (Ratable CUs)
Employer Size: Small Employers (0.01 - 19.99 person years)
Year Range: 2003-2007
Accident Type
Accident Type is a classification of an accident or exposure that describes the manner in which the injury or disease was produced or inflicted.
|
Accident Type |
#STD/LTD/FTL Claims % of Total |
Claim Cost Total Amount % |
Days Lost Total Amount % |
|
Struck by object |
19% |
15% |
13% |
|
Overexertion |
17% |
12% |
16% |
|
Fall to lower level |
12% |
23% |
21% |
|
Fall on same level |
10% |
8% |
10% |
|
Struck against object |
7% |
5% |
4% |
Nature of Injury:
Nature of Injury is a classification of the injury or illness in terms of its principal physical characteristics.
|
Nature of Injury |
#STD/LTD/FTL Claims % of Total |
Claim Cost Total Amount % |
Days Lost Total Amount % |
|
Sprains, strains, tears |
42% |
27% |
37% |
|
Cuts, lacerations |
12% |
4% |
5% |
|
Fractures |
12% |
33% |
28% |
|
Bruises, contusions |
9% |
3% |
4% |
|
Nonspecific injuries and disorders |
3% |
2% |
2% |
Source of Injury:
Source of Injury is a classification of the object, substance, exposure, or bodily motion that directly produced, transmitted, or inflicted the injury or illness.
|
Source of Injury |
#STD/LTD/FTL Claims % of Total |
Claim Cost Total Amount % |
Days Lost Total Amount % |
|
Floors, walkways, ground surfaces |
19% |
28% |
28% |
|
Person-injured or ill worker |
12% |
9% |
12% |
|
Building materials - solid elements |
9% |
6% |
6% |
|
Highway vehicle, motorized |
6% |
12% |
8% |
|
Containers - nonpressurized |
6% |
4% |
5% |
Occupation:
Occupation is a collection of jobs, sufficiently similar in work performed to be grouped under a common title for classification purposes. A job, in turn, encompasses all the tasks carried out by a particular worker to complete his/her duties.
|
Occupation |
#STD/LTD/FTL Claims % of Total |
|
Motor Vehicle and Transit Drivers |
10% |
|
Trades Helpers and Labourers |
10% |
|
Carpenters and Cabinetmakers |
7% |
|
Labourers in Processing, Manufacturing and Utilities |
5% |
|
Primary Production Labourers |
4% |
|
Age
|
#STD/LTD/FTL
Claims % of Total |
|
0 - 14
|
0%
|
|
15 - 24
|
19%
|
|
25 - 44
|
50%
|
|
45 - 64
|
30%
|
|
65 and over
|
1%
|
|
Gender
|
#STD/LTD/FTL
Claims % of Total |
|
Female
|
17%
|
|
Male
|
83%
|
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