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What to Do When an Employee is Injured

What to Do When an Employee is InjuredAccording to an article on Business.com,  small businesses should follow certain guidelines when formulating a Workers’ Comp plan.  Injuries can happen anywhere, at anytime. There are a myriad of incidences that can qualify as a Workers Comp claim. That’s why it’s imperative to secure your business with a Small Business Workers’ Compensation policy.

If an employee is injured, implement the following tips:

  1.  Take quick action when it comes to injuries. If the injury is life-threatening or requires emergency medical attention, immediately call 911.  Failing to seek immediate medical assistance could get your business entangled in a lawsuit.
  2. Inform your Workers’ Comp insurer immediately after the incident has occurred. Some employees will file Workers’ Comp claims years later without their employer being aware of it.  Workers’ Comp scams cost businesses $7.2 million a year, according to the National Insurance Crime Bureau. Keep a formal document on file in case it needs to be evaluated. 
  3. Familiarize yourself with your obligations to an injured employee. An injured worker has the right to file a claim, and it’s your responsibility to provide them with the correct claim form.
  4. Once a claim is filed, it can take up to 90 days for the claims administrator to approve or deny the claim. Make sure to be up-to-date on your employee’s claim paperwork, compensation, and health progress.

At Associated Specialty Insurance Agency, we understand Workers’ Comp at all levels. We serve as both an asset to retail agents and markets alike, and provide and maintain comprehensive Workers’ Comp solutions for all our clients. We strive to meet and exceed expectations and offer you coverage policies that are hard to beat. For more information, call us today at 866.679.7457.

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