No matter how careful you are at work, accidents happen every day. If you’re a business owner, having a workers’ compensation policy to protect your employees in the event of an injury is crucial. In most states, it’s legally required. Even if it isn’t a requirement where you live, it’s better to play it safe.
Filing a workers’ compensation claim can be complex. It’s important to fully understand the process in order to ensure your employees get the support they need. Keep reading for 4 best practices for handling workers’ compensation cases.
1. Always put the safety of your employees first
If one of your employees gets injured on the job, the most important thing you can do is prioritize their safety and well-being. Be sure that they get the medical care they need right away. After they’ve received any necessary medical attention, begin the workers’ compensation claim process.
Whether someone has been injured or not, it’s a great idea to regularly implement safety trainings in your office as well. Scheduling refresher courses regularly allows your employees to stay up-to-date on protocol, ultimately helping prevent accidents and injuries in the future. It’s a good idea to include both written and visual content to help all of your employees retain as much of the information as possible.
2. Report incidents right away
Be sure to report the incident to the insurance carrier right away in order to get the workers’ compensation process started as quickly as possible. The sooner you get the details and file the claim, the sooner your employee can receive the financial compensation they deserve.
3. Document the injury with as much detail as possible
When you’re documenting the injury, it’s imperative to provide as much information as possible. Interview any witnesses to the incident as soon as you can so that the details are still fresh in their minds. The employee who was injured will also need to provide detailed information about the incident—such as when and where it happened, how it happened, and if anyone else was present. Depending on the situation, it may be possible for them to complete and submit the forms on their own.
4. Stay in contact with your insurance carrier throughout the process
The claim process itself can sometimes take months, and in many cases, more information will need to be submitted as time passes. If your employee received medical care or is going through a rehabilitation process, those records will need to be sent to the insurance company. As an employer, staying in contact with the insurance carrier throughout the entire process will help keep things on the right track until the issue is resolved and the claim is either approved or denied.
Keep these 4 best practices in mind next time you’re handling a workers’ compensation case. If you’re looking for a hassle-free experience with workers’ compensation, consider small business workers’ comp insurance that offers a pay-as-you-go approach. You’ll be able to customize your workers’ comp insurance in a way that makes the most sense for your company.