“The strong individual is the one who asks for help when he needs it.” - Rona Barrett
Workers compensation audit laws protect people that become injured or disabled while performing at their jobs. State statutes establish this framework for most employment.
While each state has its own specifics regarding workers’ compensation regulations and insurance guidelines, the general structure remains similar.
Most states require most employers – even those with 1-5 employees to possess workers’ compensation coverage. The employer pays this insurance – it's not taken out of the employees’ wages.
When an employee is injured on the work, it covers medical expenses associated with the accident. If the worker is unable to figure, it also covers the loss of wages. In the case of injury, employers cannot withhold workers’ compensation when the injury was the direct result of the employee’s negligence. On the other hand, when an employee receives workers’ compensation benefits, they automatically give up the right to sue their employer.
Employers of small companies often find that workers’ comp insurance via the state is that the most economical. Larger corporations may prefer to self-insure or obtain coverage through a personal company.
Simply being insured isn’t enough. Workers’ compensation may be a considerable expense on a company’s budget. As we approach 2020, establish an idea for alleviating the burden of your time and money connected to both worker’s compensation insurance and claims. Remember, with the New Year, often come new changes. Take time to ensure that you are complying with all applicable laws.
Consult with knowledgeable – an expert who can connect you with the simplest company and compensation insurance for your needs.
Evaluate your safety protocol. Prevention is that the best thanks to reducing incidents, which successively reduces insurance premiums.
Communicate with all management staff and employees. Establish specific policies for responding to an event and following through with the right documentation and reports.
Be prepared to take action when accidents happen.
- Respond immediately to things, including care and any necessary medical attention.
- Document the incident, promptly file a report and assist the worker with his/her paperwork. If possible, a representative should meet with the worker to finish injury/illness reports.
- Communicate which physicians and medical facilities are acceptable to the program. Ensure the employee understands where to send forms, reports, medical expenses, etc.
- Follow-up with the employee to ensure he/she is recovering.
- Focus on helping the employee return to work. Be willing to modify a task or find a light-duty job until they can return full time to their prior position.
Choosing the simplest workers’ compensation insurance program, also as learning the ropes, and being prepared. Bluebox Creative Solutions understands this – we’ve got your back. Our core principles shape our efforts. We are dedicated to our clients, and that they enjoy our success. The services we provide are transforming small and medium-sized businesses, giving them the benefits previously available only to the most important companies. Our concept is simple; we leverage resources and economies of scale (think Costco and Walmart) to save money in many areas, including Workers’ Compensation insurance. Contact us today.
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