How to Handle Workers’ Compensation Claims - Worksheet

Workers' compensation

Workers' compensation is an insurance which provides a form of wage replacement and affords medical benefits to employees injured while performing their specified duties in exchange for mandatory relinquishment of the employee's right to sue their employer.

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Workers’ Compensation Claims have been known for making the blood of small-business owner’s run cold, this reason has been attributed to one of two things:

Either an employee has been injured or has fallen sick because of the job they perform for their company.

Or, that the employee is faking an injury or illness and in which case they might be attempting to disadvantage and manipulate the system.

After-all, no employer would like to witness their employees have to endure suffering. And, perhaps even more so, employers know that one questionable workers’ compensation claim can open and set in motion a whole plethora of questionable claims. The fear held by employers of employee injury / illness claims can be overcome by effective communication. This is the best way to handle the many types of workers’ compensation issues that may arise.

Employers Should Always Talk to Your Employees about Workers’ Compensation.

It is said that more than 80 percent of employers think that communicating with their employees resulted in them filing a workers’ compensation claim, this is wrong.

The fact is that that an injured worker will often hire an attorney because they did not receive sufficient information from the company with regard to their benefits. And, not because they desire to cheat the company into paying undue costs. In this article we want to suggest to business owners and employers to open a strong line of communication with regards to Workers’ Compensation Claims and your employees might not feel compelled to acquire the services of an attorney.

In the Worksheet we provide a step-by-step guide on How to Handle Workers’ Compensation Claims.

Additionally, here are some pointers to help employers keep the communications line open.

Employers need to exercise openness and honesty with their employees with regards to their Workers’ Compensation Claims. This exercise should be conducted from the beginning of the employer-employee relationship.

When hiring a new employee, ensure that a booklet explaining the benefits of the company’s workers’ compensation plans. Detail in your booklet the injuries and diseases covered and how to receive benefits for them. The claims process should also be explained and employees should also be given a way to contact the company with questions regarding Workers’ Compensation Claims.

As a business owner, your business must engage the staff in regular safety training exercises. These sessions should be aimed at prevention methods towards workplace injuries and the following of procedure in the case of an incident. Focus on reinforcing protocol in order to try ensure the most desirable outcome is reached even in an accident. It should be noted that the employer should underestimate the risks faced by employees in the workplace. For instance; The Accounting Department should be aware and able to recognize the signs of carpal tunnel syndrome or A company’s copywriters should be informed on how to keep the proper posture and use available ergonomic devices in order to reduce the risk of gaining back problems.

Employers need to make sure that employees can easily access the required workers’ compensation information. For instance, you may want to assign a dedicated person the role of handling all workers’ compensation claims communication and inquiries. It would be a big mistake for an employer to avoid an employee after they have suffered an occupational injury or illness. Employers need to maintain a productive relationship with the employee and a simple phone call or card wish them well may be what is needed to maintain the relationship. A more formal form of contact with the employee during their period of recovery, such as visiting the injured employee once every week or every time after their medical examinations.

In conclusion, it is important that employers ensure that during all of the communication between themselves and the employees, the importance bared by the employee to report an injury or illness as soon as possible is emphasized. There are reporting deadlines for workers’ compensation claims and if those are missed, employees may not be able to receive benefits.

This article has bee about how to handle workers compensation using the worksheet, for more worksheets and other corporate documents, the Business Own Corporation MIND Repository is resourced with documents used in everyday business and entrepreneurship situations.

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Compensation Claim

(related to injury and illness at workplace) the absolute right demanded by any member of the company workforce who get injured, disabled or are suffering from illness in connection with their work.

Employees affected by the Workers’ Compensation Claims are entitled to receive certain benefits for their suffering from injury or occupational illness arising at work during employment. benefits may be monetary or in the form of medical care to the employee or their family in the case of the employee’s passing.