The value of prevention mutual groups for your company

• What was the value in joining an AST prevention mutual group?
  You or your company probably made the decision to join an AST prevention mutual group because it was the best and most economic means available to reduce payments to the CSST, to provide your employees with the most secure work environment possible, and to enjoy the best support and most comprehensive management of CSST files, while benefiting from the unparalleled multidisciplinary expertise and services only AST is able to offer in Québec.
• What is a prevention mutual group?
  A prevention mutual group is an insurance product specifically designed for small and medium size businesses seeking premiums reflecting the efforts they make in occupational health and safety. It brings together employers involved in a process aimed at preventing employment injuries, and facilitating rehabilitation and the return to work of injured workers in order to benefit from rates reflecting their efforts. By forming a prevention mutual group, employers are collectively insured under the personalized rating plan, taking into account their occupational health and safety performance.
• What is the purpose of a prevention mutual group?
  The purpose of prevention mutual groups is to reduce an employer's annual CSST contribution. In exchange, the employer implements efficient prevention measures and programs in the workplace.
  
  Prevention mutual groups have a dual objective: 1) to ensure employers take concrete measures to improve the health and safety of their employees and 2) to guarantee that, for each year of participation in a prevention mutual group, the employers pay an insurance premium that reflects their performance in terms of workplace safety.
  
  By forming a prevention mutual group, employers are collectively assured of a personalized rate that takes their occupational safety and health performance into consideration. Like an insurance pool, grouping makes it possible to generate savings. The larger the mutual (total payroll), the better it can maximize the financial benefits of grouping.
• What is AST's role in prevention mutual groups?
  You should know that time is on your side. Results and savings do accumulate over time, thanks to the sharing of risk and cost among members, the long term effects of occupational safety training, superior prevention programs and overall smart planning and management of all OHS aspects of the company.
  
  Many of our clients have benefited from reduced CSST premiums achieving savings of up to 40%! Plus, by offering prevention programs and CSST case file administration, we have helped our clients reduce CSST claim costs by 25% over the past four years.

  More than 40% of Québec companies that are part of a prevention mutual group are in fact members of an AST-managed PMG. AST manages 21 PMGs, with at total of 13,000 members. In short, AST is the largest provider of workplace safety-related services.
  
  AST's PMG services are highly personalized and help reduce the financial impact of large claims without jeopardizing the stability of the overall PMG's performance.
  
  Some key benefits of belonging to an AST-managed prevention mutual group:

  • free training to increase your awareness of occupational health and safety issues
  • assistance in the daily management of employment injuries
  • development and annual update of a prevention-related action plan in accordance with CSST requirements
  • implementation of concrete measures designed to promote rehabilitation and the prompt return to work of injured workers
  • access to a multidisciplinary team and a complete service offer available nowhere else
  • once you sign the new service agreement, you will immediately gain free access to medical and legal assistance!