Carnegie Financial strives to keep your business in compliance with state mandated workers’ compensation insurance. We search for available markets to keep your costs down and we also evaluate your current classification to make sure you are not paying more than necessary. Carnegie Financial also has access to a loss reassessment service to look for mistakes in your previous claims, which affect your current risk experience rating number. (NCCI mod rate)

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Good Working Positions

To understand the best way to set up a computer workstation, it is helpful to understand the concept of neutral body positioning. This is a comfortable working posture in which your joints are naturally aligned. Working with the body in a neutral position reduces stress and strain on the muscles, tendons, and skeletal system and reduces your risk of developing a musculoskeletal disorder (MSD). The following are important considerations when attempting to maintain neutral body postures while working at the computer workstation:

  • Hands, wrists, and forearms are straight, in-line and roughly parallel to the floor.
  • Head is level, or bent slightly forward, forward facing, and balanced. Generally it is in-line with the torso.
  • Shoulders are relaxed and upper arms hang normally at the side of the body.
  • Elbows stay in close to the body and are bent between 90 and 120 degrees.
  • Feet are fully supported by floor or footrest.
  • Back is fully supported with appropriate lumbar support when sitting vertical or leaning back slightly.
  • Thighs and hips are supported by a well-padded seat and generally parallel to the floor.
  • Knees are about the same height as the hips with the feet slightly forward.

Regardless of how good your working posture is, working in the same posture or sitting still for prolonged periods is not healthy. You should change your working position frequently throughout the day in the following ways:

  • Make small adjustments to your chair or backrest.
  • Stretch your fingers, hands, arms, and torso.
  • Stand up and walk around for a few minutes periodically.

Workers’ compensation is an exclusive remedy insurance program. This means that an injured employee can seek remedy for his or her loss only from the workers’ compensation policy. He or she may not file suit against the employer even if the employer was negligent in causing the loss. However if the employer fails to carry workers’ compensation, the employee may seek restitution through the courts, and the employer has no insurance protection.