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Checklist for Handling Workers'
Comp Claims
Every business owner should be prepared for the day when an
employee may be injured in a work-related accident. No matter
how safe you try to make the workplace, no matter how careful
you are in hiring people, accidents sometimes just plain happen.
What you do immediately following the accident takes on added
significance when you own the business. The normal human
responses, such as getting immediate medical assistance, must be
augmented by actions designed to protect your business. The
actions you take, or neglect to take, can prove critical to your
financial future. Taking the time to do the right things, and to
document that you have done so, is some of the most effective
insurance you can get.
The attached file contains a checklist intended to guide you
through the steps you need to take from the moment you become
aware that an employee has been injured until the issue, and its
financial repercussions, have been finally resolved. By taking
affirmative steps to keep on top of the situation, you can
minimize your exposure to unwarranted claims and expenses.
Also included in the attached file is a document that sets forth
a number of factors that should be kept in mind at all times
when dealing with an employee injury. This list highlights a
number of common indications that a worker's claim might be
fraudulent. Although only a small fraction of workers'
compensation claims are fraudulent, the cases that do occur are
expensive, cut into your business's productivity, and can send
your workers' compensation premiums sky high. By being sensitive
to the possibility that any claim might be fraudulent, you
reduce your risk that a fraudulent claim, however rare, gets by
undetected.
The file is in rich text format (RTF) that is suitable for use
with most word processing programs used in the Windows
environment. |
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Now: Workers' compensation claims |
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