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Workers Compensation for the Employer
Are you prepared for a Worker's Comp claim?
Work injuries happen and that's why there is workers compensation insurance,
but the employer must be prepared to handle a claim. The initial period is
critical in how you handle claims.
Steps to take
immediately
Within 24Hrs
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Report the incident to your insurance company
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Determine on a preliminary basis, whether the accident
is covered by workers' comp
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Council the employee on claims procedures
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Follow-up with the employee and family
Within the first week
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Coordinate payment of initial benefits
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Talk with the treating physician to learn the diagnosis
and treatment plan
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Evaluate whether medical rehab is necessary or
appropriate
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Develop a return to work plan
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Make contact with the employee and family
Workers Compensation for the Employee
It is unfortunate whenever an accident occurs in the workplace. For the
most part accidents happen at the most inopportune moments and take many by
surprise. It is important to remember as much as possible about the
circumstances surrounding the accident, even if they seem
insignificant at the time. Steps to take immediately
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Ensure that you receive first aid or in severe cases
contact 911
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Seek medical attention as soon as possible
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Notify management that you have had an accident
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Try to remember as much detail about the accident as
possible
Within 24Hrs
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Complete insurance documentation explaining what
happened
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Discuss your diagnosis and treatment plan with your
physician
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Talk with your employer at all times
Within the first week
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Talk to your employer about the benefits that their
Workers Comp insurance will provide
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Formulate a return to work plan
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Follow through with and home exercises your physician
recommends
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