Life Happens 24/7

Timing is Everything

Timely reporting is critical in containing the cost of work comp claims. A delay in reporting could not only result in penalties and fines, late reporting increases the cost of a claim 29%, on average.

Medical Costs Increase 16%
The doctor may make costly out of network referrals, order unnecessary or unauthorized tests, and may prescribe treatment not covered by workers compensation.

Indemnity (Lost Time Wages) Increases 38%
The doctor is unaware of your return to work program or doesn’t understand the physical requirements of the employee’s job, and can take employees off work when they are capable of returning to work with restrictions.

Attorney Involvement Increases 50%
No one has contacted the employee regarding work comp benefits – they’re unsure who will take care of the medical bills, and fear for their job.

Communication is key – make sure your employees and supervisors know the critical importance of reporting injuries immediately, regardless of the severity. Employees should be trained to report injuries to their supervisor the moment it happens, and supervisors should be trained to file reports immediately following. The faster injuries are reported, the faster your employees can get the right care, and the lower the cost of the claim.

24/7 Nurse Care Line

When an employee gets injured at work, the knee-jerk reaction is to head to the ER. The employee waits for hours for treatment and the doctor is quick to prescribe time off. The cost of the claim goes up. A 24/7 nurse triage line provides employees with instant treatment recommendations, and coordinated care and communication.

Injured employees tell their supervisor immediately after an injury occurs. After the injury is reported, the employee and the supervisor call the nurse triage line, or if the supervisor is unavailable, the employee calls on their own. A registered nurse, experienced in on the job injuries, immediately assesses the severity of the injury, provides treatment recommendations, and assists with scheduling appointments, as needed. The employee can call the nurse line any time with questions or concerns.

After the nurse has assessed the injury, the supervisor completes a first report of injury form and conducts an accident investigation to determine the root cause and correct any safety issues. The supervisor then hands the reports off to HR so the claim can be filed immediately. The claims adjuster should contact the employer, healthcare provider and injured worker within 24 hours of the filed claim. The adjuster contacts the employer first to understand how the accident happened, and discuss red flags and return to work. They contact the healthcare provider second to obtain a diagnosis and treatment plan, and provides their information so records and bills are submitted and paid on time. The adjuster then contacts the injured worker to review how the accident happened and obtain additional information to complete their investigation.

A nurse triage line assists the process by coordinating communication between the clinic, the employer, the employee and the adjuster, reviewing and/or disputing treatment options, obtaining workability reports and other necessary information, and checking in with the employee to see how recovery is going and make sure they are attending all scheduled appointments.

The nurse care line ensures timely reporting, the employee gets the right care, right away, and employers aren’t slammed by the additional costs of late reporting and mismanaged claims.

Drug Testing

Timing is everything when it comes to drug testing. All injured employees should be tested immediately after the injury occurs, but not more than 24 hours after the incident per your company’s drug testing policy. Why? Waiting too long to test injured employees reduces the likelihood that the drug use had anything to do with the injury. Those who test positive for drugs after sustaining a work related injury may be denied workers compensation in the State of Minnesota. The state sees the burden of “fault” is more on the employee’s side when they are using drugs that impair the ability to safely perform their job.