Five Things to Include in Your Workers’ Comp Communication Policy
Proactive Communication Improves Outcome & Limits Costs
Whatever the case, company administration must use proactive communication and monitoring of injured employees to ensure treatment is progressing well and the treating doctor has projected a return-to-work date. In cases of disagreements with either State workers’ comp claims or the doctor’s prognosis, help your employees to resolve these issues as quickly as possible. A quick discussion with your injured employee equals a quick return to work and limits your costs. Think: modified duty.
Some people may think — Why do I need to bother with such a plan, when the insurance company is paying off the claim?
The insurance company is paying the claim, but you still cover your deductible (or premium in guarantee cost). And, depending upon per incident costs, an employee suffering a moderate injury could cost as much as $35,000.00.
By getting your employees back to work before the mandatory waiting period for indemnity payments, you reduce your claims costs and protect your profit margin. Suspicious claims should be thoroughly investigated and brought to the attention of your claims adjuster.
Injuries occurring without witnesses or off company property while the employee was on duty may be hard to investigate. However, failure to do so could easily cost the company a substantial amount of money. That is not to say all accident claims falling into these categories are false or attempts at fraud, but in the event they are, investigating helps you to protect the company by detecting them before they affect your bottom line.
- A first day phone call or visit to the injured employee.
- Communication with the doctor on prognosis, a reasonable treatment plan.
- Documentation of every accident/injury.
- Investigate any claims raising “red flags” for potential fraud.
- Close communication with your insurance claims adjuster to make sure.