Workers’ Compensation Claims Help

The workers’ compensation claims process is largely determined by state law. Your insurance company will have forms and procedures to follow to report new incidents. Most have phone or Internet reporting systems.

Frankly, the biggest problem I have with my bank clients and workers’ compensation is that you don’t have enough claims to get used to the claims process.

Report Claims Quickly

Develop a claims reporting system in each of your locations. Employees should know to whom they should report incidents. Managers should know where reports should be filed. Fast claim reporting to your insurer means an overall better outcome.

Have a Designated Physician/Medical Facility for Employee Injuries

Many states allow employers to designate a specific physician or medical center for the first few weeks of an employee’s injury. This increased control allows specialists in workplace injuries to provide effective treatment for injuries such as soft tissue injuries (strained back) and repetitive motion claims (carpal tunnel and tendinitis issues).

Remote branches may need a separate designated medical facility.

Reporting claims promptly will improve your insurer’s ability to manage claims. You end up saving premium dollars, and your employees get better care.

Follow Up With Your Adjuster

If you average four or five workers’ compensation claims a year, have one adjuster for all of your claims. Tell your insurer that you want to build a relationship with the adjuster handling your account. You want the adjuster to have a working knowledge of your approach to business and workers’ compensation injuries. You want the adjuster to be a part of your team.

Review all open claims once a quarter with your agent and adjuster. The conversation is simple. Find out what has been done and what is going to be done. Follow up on any action plans. You want your claims to be handled as a priority by your insurance company.

Have a Return to Work Program

Work aggressively to bring employees back to work. Have a light-duty program available. Work with your employees’ doctors and adjuster to find meaningful work your injured employees can do.