WORKERS ' COMP
What If There ’ s An Accident Or Injury At Work ?
The Best Employers Consider The Whole Person In A Workers ’ Compensation Claim Incident .
People are the backbone of any business . And when injuries and accidents occur in the workplace , it ’ s a real loss on many levels . What if you must file a workers ’ compensation claim ? More importantly , how can you prevent them in the first place ?
WHAT IF YOUR ORGANIZATION COULD BE SAFER ?
Implementing safety protocols can prevent claims . Even before we explore the what-ifs of managing claims and helping healing employees return to work , you should introduce systems , training , and documentation processes to reduce the likelihood of workplace accidents and injuries . Some important tools include an employee handbook that outlines safety measures , regular wellness and safety talks , and a thorough documentation process in case an accident occurs .
Check into industry trade association safety programs . By integrating proven best practices , we have seen businesses significantly increase safety and improve workplace wellness , along with saving up to 10 % on workers ’ compensation insurance premiums .
As you build a solid safety culture :
1 . Develop safety training programs required by OSHA standards .
2 . Integrate programs into daily operations .
3 . Investigate all injuries and illnesses .
4 . Provide training to develop safety awareness in all employees .
5 . Audit programs and your work site regularly , seeking areas for improvement .
WHAT IF AN EMPLOYEE SUFFERS AN INJURY ON THE JOB ?
When an employee is injured at work , the claim is not filed through their personal medical insurance . It must be reported to the workers ’ compensation insurer . Coverage provides medical / physical care and helps recoup lost wages . Ultimately , workers ’ compensation and your safety programs are all about protecting and supporting your people .
Timely reporting is critical after an accident or injury . Depending on the situation , you might need to immediately transport the worker to a hospital or urgent care . At the same time , another point person in the business should contact the workers ’ compensation carrier or your insurance advisor . Even if you believe the circumstance will not evolve into a claim , it ’ s better to be proactive and safe .
Ask the employee and any others who were present to document what occurred in writing . This is provided to the insurer , and it helps when revisiting the situation for accident reconstruction to avoid it happening again . A written account is sufficient or ask your insurance advisor for witness statement forms .
From there , the workers ’ compensation carrier and / or your insurance advisor will guide you through the claims process and assure that the employee receives proper medical care and compensation as allowed by your coverage .
28