Home healthcare services represent one of the fastest-growing segments in the U.S., as increasingly more individuals are looking to remain at home as they age and need assistance. In fact, today home healthcare is a $74.5 billion industry with 304,350 businesses serving individuals throughout the country. This niche is made up of workers that provide skilled nursing care, personal care, homemaker and companion services, physical therapy and other support services and in-home hospice care providers.
The services home healthcare workers perform come with inherent occupational hazards and result in Workers’ Compensation claims. According to the National Institute for Occupational Safety and Health (NIOSH), these hazards include: overexertion; stress; verbal abuse and other forms of violence in the home or community; blood borne pathogens; needle sticks; latex sensitivity; temperature extremes; and unhygienic conditions, including lack of water, unclean or hostile animals, and animal waste. Long commutes from work site to work site also expose the home healthcare worker to transportation-related risks.
Home healthcare work involves several challenges, including difficulty in controlling one’s work environment; working with ill and dying clients in some cases; workload and time pressures; patient aggression and caring for patients who are disoriented, irritable or uncooperative. Attracting workers and retaining them is a high priority for many home healthcare agencies, and providing a more healthful, less stressful, work climate is an important part of any retention strategy in lowering comp claims.
In addition to strong risk management practices, having a sound Workers’ Compensation program for the home healthcare industry is key. ProAction Insurance serves this niche with a broad spectrum of commercial insurance products and can provide you with affordable workers’ comp solutions for your clients. Give our professionals a call at 951-898-9892 to discuss our home healthcare insurance portfolio of products.