While most employers strive to give their employees a safe work environment, one can never rule out the possibility of an accident. That’s why it’s not only important to cover your business or organization with workers’ compensation insurance, but to also make sure that you avoid some of the most common mistakes made when assisting employees in filing a claim.
Even with workers’ compensation policies in place, some employers don’t have a formal process for reporting incidents and filing a workers’ compensation claim in place. This is a huge mistake because employers are “missing out on the potential to limit future cases and costs.” Formalizing the process creates a streamlined way to handle all incidents and reports of work-related illnesses so that no details are missed.
Additionally, some employees and employers may be hesitant to file a claim if no work was missed due to the injury or illness. Even if the employee doesn’t need to be out of work for an extended period of time, they may require follow up doctor’s visits or other medical appointments, and you should remind them that workers’ compensation benefits can help cover the costs of these appointments.
Along the same lines, you should never let an injured or ill employee forgo medical care. Sometimes injuries may not be obvious, but it is best to err on the side of caution and have employees checked immediately to ensure they are okay. The last thing you want is an employee to come back later with a claim that they didn’t receive proper medical attention or the means to receive medical care.
You should also stay involved with each case, from the time the incident is reported, through the claims filing process, and until the case is resolved. Forgetting about it could put you at risk of over or under-paying for medical costs. Plus, it could create a sore spot in your relationship with the injured employee, as well as others. Communicating with them keeps everyone informed and shows the employee you care about their condition.
In addition to avoiding the mistakes above, employers can also help their employees avoid injuries and illness by doing everything possible to create a safe and healthy working environment, as well as having company safety and emergency action plans in place that are reviewed regularly and adjusted as needed.
Are you an employer in need of a better workers’ compensation program for your business? Lamb Financial Group can help you find the best policy that meets the needs of your business or organization, as well as state and federal laws. Contact us at 1-866-481-5262 for more information.