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An Employer’s Guide to the Workers’ Comp Claims Process

In 2018, the private industry employers reported 2.8 million nonfatal workplace illnesses and injuries. Workplace injuries are common, especially in high-risk industries such as construction. Companies need to have workers’ compensation insurance.

When an employee files a complaint, you need to handle it in the best way. You’ll save your company unnecessary legal battles and maintain your reputation.

If you’ve received a worker comp claim, do not fret. The process can be seamless if you adhere to the laws regarding employees’ compensation. Here is a guide to the workers’ comp claims process.

1. Get to Know the Injured Employee

If you get information regarding an injured worker, you ought to offer the Employee’s Claim for Workers’ Compensation Benefits form. Once the employee receives the claim form, the decision to file a claim is personal. Some employees chose not to file a claim, while others do so later.

As an employer, you ought to give the claim form within 24 hours. Depending on the extent of the injury, the worker can take some days off duty. However, this decision is up to the worker in question.

2. Seek Medical Treatment

You need to have emergency medical services in case an injury is beyond first aid assistance. Professional help can reduce the risk of injury. Once you establish the severity of the injury, you’ll know the type of medical care required.

Referring an injured employee to a Workers Comp Doctor is one of the ways you’d ensure that the worker gets the right treatment. If the insurance has specified the hospital, injured workers ought to go to the listed healthcare facility. Yet, some states allow an employee to choose the preferred doctor.

3. Accident Investigation

It would be best if you investigated the accident for the proper management of costs. Understanding the cause of the accident can help you to avert possible disasters. The investigation further exposes fraudulent claims.

Written statements from employees and witnesses assist in the investigation. A supervisor’s report can also offer great insights into the events leading to the accident. Once you establish the cause of the accident and the possible costs involved, write a comprehensive report.

With a written report, you can have adequate evidence in case you’re faced with a lawsuit. The report is also helpful as a future reference.

4. Early Return to Work

Lost productivity due to workers’ absenteeism is about $84 billion. One of the main reasons why workers fail to report to their workplaces includes illnesses or injuries. Depending on the degree of the injury, an employer should offer light duties after the injured employee returns to work.

The worker should have a doctor’s clearance report. Allowing your worker early return to the job can quicken the recovery. Besides, it reduces instances of a worker pursuing attorney representation.

Following the Workers’ Comp Claims Process Deters Potential Lawsuits

If your employee gets a workplace injury, you need to follow up on the workers’ compensation claim. While the workers’ comp claims process might seem daunting, it will save you significantly. Adequate compensation of workers after an injury.

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