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Everything About Workplace Injuries

Why Payroll Is a Prime Target for Cyberattacks

 

The digital space is continuing to grow and evolve every day. With so much of life conducted online, it’s more important than ever to protect your personal information from vulnerability.

 

Payroll systems, however, have become a prime target for cyberattacks. They contain some of the most confidential employee information that a business manages—including Social Security Numbers, tax identification numbers, addresses, salaries, and direct deposit information. A single breach can expose hundreds of records—if not more—leading to financial fraud, identity theft, and compliance violations.

 

Cybercriminals may not even need to break into a company’s system to gain information. They may simply trick an employee into handing over credentials or clicking on a malicious link, making payroll fraud prevention crucial for any business. It’s essential for business owners, HR managers, and IT directors to know how to protect their employees and prevent data breaches.

 

Let’s dive into the types of threats facing payroll systems today, what businesses risk without proper security, and how PEOPayGo prioritizes cybersecurity in payroll services.

 

Types of Threats Facing Payroll Systems Today

 

There are many types of threats facing businesses that may not even require a hacker to gain access to their payroll system. Let’s take a look at some of the most common cybersecurity threats.

 

Phishing

 

Phishing scams occur when cybercriminals trick individuals into providing sensitive information. Many attackers will impersonate someone from the HR or IT department and send fake emails to employees to steal their login credentials.

 

Ransomware

 

Hackers may use malicious software to lock payroll systems until a ransom is paid. If the company chooses not to pay the ransom, the cybercriminals may leak the stolen data.

 

Insider Threats

 

Insider threats come from the organization itself rather than someone outside of it. Unhappy employees or contractors could misuse their access to payroll data.

 

Insecure Integrations

 

In some cases, attackers find poorly secured third-party apps connected to the payroll systems and take advantage of those vulnerabilities to get the information they want.

 

Weak Passwords

 

When employees create weak passwords or fail to use the multi-factor authentication, it makes it far easier for hackers to guess their credentials and break in.

 

What Businesses Risk Without Proper Security

 

A lack of security can have a major negative impact on a company. Here are some of the things that businesses risk when they don’t have proper security in place.

 

Financial Loss

 

Companies can face significant financial losses during an employee data breach. From incident response and legal fees to lost revenue and reputational damage, the impact of financial loss on a company can be drastic.

 

Employee Trust

When personal information is compromised, employees may lose confidence in their employer. When trust dwindles in the workplace, employees tend to walk away.

 

Operational Downtime

 

The financial loss and legal consequences that stem from compromised payroll systems could result in payroll delays and operational downtime.

 

How PEOPayGo Prioritizes Cybersecurity in Payroll Services

 

Professional employer organizations (PEOs) take on the administrative tasks of businesses like payroll, workers’ compensation, benefits administration, and risk management. Because they’re regularly handling sensitive employee information, cybersecurity is essential. Here’s how PEOPayGo prioritizes security in their payroll services.

 

End-to-End Encryption

 

This is a security method that ensures when messages are sent via their platform, only the sender and receiver can read them.

 

Multi-Factor Authentication

 

By requiring more than one form of identification, multi-factor authentication ensures only verified users can access payroll systems.

 

Regular Security Audits

 

Trusted PEOs want to make sure they’re in compliance with industry regulations and best practices. PEOPayGo undergoes third-party security audits in order to maintain that standard.

 

Role-Based Access Control

 

Ensuring permissions are granted based on user roles means a lower possibility of security threats from within the company.

 

Employee Training and Awareness

 

PEOPayGo implements training programs that help keep employees educated on how to spot phishing attacks and manage payroll securely.

 

Secure Your Payroll Data with PEOPayGo’s Trusted Protection

 

A payroll breach can be detrimental to your company. When you partner with a trusted PEO like PEOPayGo, you can rest assured that your systems are secure. If you’re ready to secure your payroll data with PEOPayGo, reach out to their team of experts today.

 

Contact us today to get the coverage and support you need!

Work-related injuries are among the most disruptive events for a business.

 

However, in many industries, like agriculture and construction, they happen often, resulting in time lost, unnecessary expenses, and sometimes significant health challenges for your employees.

 

Injuries at work can negatively affect morale and lead to work stoppages, lawsuits, or other outcomes.

 

The Bureau of Labor Statistics (BLS) reported that workplace injuries decreased 5.7 percent between 2019 and 2020. A one-year drop isn’t an anomaly. The Occupational Safety and Health Administration (OSHA) statistics indicate that worker deaths decreased from 38 to 15 per day between 1970 and 2019, while injuries decreased from 10.9 per 100 workers to 2.8 per 100 workers.   

 

Why are there such significant reductions? The Occupational Safety and Health Act – or OSH Act – of 1970 played a major role in creating OSHA to ensure safe and healthy working conditions for American workers. As part of its mission, OSHA establishes and enforces standards and offers training and assistance to help business owners create safe working conditions.

 

Throughout the United States, injury rates have fallen significantly since OSHA was established.

 

Accidents happen, and employers must be aware of their responsibilities and rights concerning worker safety. Let’s dig into the details.

What Are Workplace Injuries?

In other words, a work-related injury is any illness or injury caused by an event or exposure at work.

 

Let’s look at that definition closer. It covers obvious work-related injuries, such as when a roofer falls off a roof that is in the middle of construction, or when someone is exposed to toxic chemicals in a factory that causes lung damage. 

 

As well as illnesses and injuries that occurred at a central location, it may also include injuries that occurred elsewhere, whether they required hospitalization or not.

 

As an example, let’s say your employee was on his or her way to a meeting at a local restaurant.

 

He or she was involved in a car accident. This is a work-related injury. It wouldn’t apply if the accident occurred while your employee was commuting to work before they punched in.

 

The most common workplace injuries can occur suddenly, like slipping and falling or suffer over time, like developing carpal tunnel syndrome after repetitive activities.

 

Mental illness may be included but only if the employee can prove that the illness is connected to the work conditions.

What Kinds of Injuries Are Not Considered Workplace Injuries?

Work-related illnesses sometimes turn out not to be occupational injuries:

 

-When a member of the public is present at a work location but is not working.

 

-The injury or illness occurred at work but was caused by an event or exposure that occurred outside of work.

 

-When an employee eats, drinks, or prepares food for personal consumption they suffer an injury.

 

-An employee engages in personal tasks in the workplace outside of assigned working hours.

 

-An employee catches a cold or flu at work (other illnesses, such as COVID-19, tuberculosis, and hepatitis A, are exceptions).

 

-Employees who inflict themselves with injuries or who fight each other.

 

-Injury caused by drugs, alcohol, or while the employee violates company policy or commits a crime against the company.

The Top 10 Workplace Injuries

Injury rates vary by industry, with some injuries happening more frequently in one industry than another.

 

According to Liberty Mutual’s 2021 Workplace Safety Index, these are the most common types of workplace injuries.

 

 

1. Handling Objects

 

In the U.S., injuries resulting from lifting heavy boxes are common in warehousing, retail, and other places where workers regularly lift heavy boxes.

 

 

2. Falls on the Same Level 

 

In second place falls occur on one level, such as someone slipping on a wet floor. These falls cost $10.58 billion annually.

 

 

3. Falls to a Lower Level 

 

Whether it is falling off a roof or taking the wrong step off a ladder, injured employees in this area cost $6.26 billion annually.

 

 

4. Being Hit by Objects

 

In the construction and warehousing industries, being struck by heavy objects or equipment is common, and insurance companies pay out $5.61 billion every year.

 

 

5. Awkward Postures 

 

A delivery worker steps awkwardly out of his vehicle and grasps the door with his wrist. Injuries of this type cost $4.71 billion annually.

 

 

6. Vehicle Crashes 

 

Each year, car accidents result in $3.16 billion in workers’ compensation claims, regardless of whether it was caused by your staff driver or someone else.

 

 

7. Slip or Trip without a Fall 

 

The heel of an admin is caught by a loose floor tile, causing her ankle to sprain. Insurance companies pay $2.52 billion in claims due to slippery or uneven walkways.

 

 

8. Colliding with Objects or Equipment

 

Factory workers are often involved in collisions with machinery or other objects, causing about $2.46 billion in damage.

 

 

9. Caught in Equipment or Machines

 

Workers are more likely to suffer job-related injuries in agriculture and factories, which cost $2.01 billion a year.

 

 

10. Repetitive Motions Involving Microtasks

 

The cost of injuries related to repetitive motions in the hand and shoulder system tops $1.66 billion a year when rehabilitative treatments are added in.

Injured Workers: What Should You Do?

It is your responsibility as a business owner to follow OSHA’s recommendations for a safe work environment.

 

Training all employees on how to operate machinery and equipment, assigning a safety monitor to high-risk jobs, and stocking first aid kits should all be part of your safety protocol.

 

A list of emergency contact numbers should be distributed to all employees.

 

Make a list of emergency medical contacts and keep a copy on hand at all times. 

 

However, what happens if someone gets hurt at work despite your best efforts?

 

The life of your employee-and your liability-may depend on your ability to remain calm after an injury.

 

After an accident, it is important to take the following actions:

 

Consider the injury: Is it something that can be treated with a band-aid and some first aid cream? In case of emergency, take extra precautions, unless you have your emergency medical training. Even after the impact of a heavy box, someone may claim to feel fine, but show signs of a concussion later. In case of a head, neck, or back injury, do not move the employee. Contact first responders immediately.

 

Make sure that your employee is in a safe environment if they’ve been hurt by their environment. As soon as you see a toxic gas leak or other danger, evacuate the area immediately. Follow the instructions of first responders.

 

After the person’s injuries have been properly treated, you will need to gather information and keep records of the event.

 

Then, you will need to contact others who witnessed the accident to find out if the worker was wearing the proper protective equipment and handling machinery appropriately. Get a clear picture of what happened, including the times and locations, while people’s memories are still fresh. 

 

After the immediate needs are met and the injured employee receives medical attention if needed, it is up to the employer to begin handling workers’ compensation insurance claims.

 

You should begin this process as soon as possible since a delay could result in the insurer denying your compensation claim. A helpful starting point would be to talk to the employee. If their injury is not severe, you will provide them with the appropriate paperwork. You might need to interview coworkers who saw the accident for additional details.

 

Depending on the state where you live, your paperwork may look different. It should be available online, or perhaps through the Workers’ Compensation Board of your state.

How To Submit A Claim

The process for submitting a workers’ compensation claim begins once you and the employee have collected all the necessary paperwork and have a complete understanding of what happened.

 

In some states, even for minor injuries, you may need to submit materials to the state’s workers’ compensation division.

 

The insurance company will either approve or deny your claim. If it’s approved, you and the employee will be notified of how and when payment will be provided.

 

These funds can be used in any way the injured party wishes, including paying their medical bills. If needed, the employee may accept this offer or negotiate a higher settlement amount.

 

In this case, a workers’ compensation lawyer will be able to assist them.

 

The worker can still take legal action even if the claim is denied. Alternatively, they can appeal through the state or ask for a reconsideration of the claim. Usually, this doesn’t happen unless the employee was seriously injured.

 

This procedure applies to nonfatal workplace injuries in any case. When a worker dies on the job, you would work with the next of kin.

 

Death benefit settlements would benefit the worker’s family members or go into the worker’s estate.

PEOPayGo Offers Free Quotes For Workers' Compensation

Businesses and self-employed contractors might want to consider getting a policy that protects their business if they get hurt at work instead of skipping workers’ compensation protection. As a leading small business insurer, PEOPayGo is a great option.

 

As a Professional Employee Organization (PEO), P.E.O.PayGo can help you get workers comp, bundle payroll, and HR, and perform all the headache functions of a small business, all while saving your time and money. Let our Instaquote do all the work, we don’t need much information and it takes 2 minutes. Our software does all the work for you. 

 

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