What to Do When an Employee Files a Workers’ Compensation Claim

As a responsible employer, workers’ compensation insurance can be integral to safeguarding your employees’ health and wellness and maintaining company productivity. However, while the right policy can assist with managing medical expenses and other costs, potentially enabling staff to recover and return to work as smoothly as possible, your business must understand how to navigate the claims process.

7 Steps for Employers Following Work-related Incidents

When an employee files a workers’ compensation insurance claim, it’s crucial for employers to handle the situation promptly and effectively. Consider the following steps:

1. Document the incident—Gather details such as the time, location and circumstances of the injury. This information is vital for processing the claim and can help prevent future incidents.

2. Notify the insurance carrier—Promptly inform your workers’ compensation insurance carrier about the claim. Timely notification is essential for the claim to be processed efficiently.

3. Complete required forms—Fill out all necessary forms correctly and in a timely manner. This often includes the initial injury report and any subsequent documentation required by the insurance carrier.

4. Maintain communication—Keep open lines of communication with the injured employee. Regularly check in on their recovery progress and provide updates on the status of their claim. This can help the employee feel supported and informed.

5. Investigate the incident—Conduct a thorough investigation to understand the cause of the injury. This can involve interviewing witnesses, reviewing safety protocols and examining the work environment. Identifying the root cause can help prevent similar incidents in the future.

6. Implement safety measures—Based on the investigation findings, implement necessary safety measures to prevent future injuries. This might include updating equipment, revising safety procedures or providing additional training.

7. Help employees return—Develop a return-to-work program to facilitate the employee’s transition back to work. This can include modified duties or a gradual return to full responsibilities, ensuring the employee’s recovery is prioritized.

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Contact Global Risk Office LLC in Jonesboro, Arkansas, today to learn more or shop for an ideal workers’ compensation insurance policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.