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How to Handle a Worker's Comp Insurance Claim Part Two

Written by on 1/3/2018 3:08 AM in , , , , . It has 0 Comments.

Quality of Life, Protected
Efficiently and factually completing the initial phase of the worker's comp insurance claim investigation and treatment results in a shorter recovery and return-to-work timeline by directing medical care. Surgery is performed same-day and the machinist begins recovery.

The specialist understands the emotional/psychological effects of the injury, and is cooperative with a modified-duty, return-to-work program, reducing lost time and wages on the part of the employer and employee. The machinist is discharged from care and returned to full-duty in 8-12 weeks. The injured employee is thrilled with his attentive, empathetic treatment, the competency of his doctor, and his ability to remain at work with full pay (rather than partial disability).

In the interim, the adjuster performs necessary interviews, investigating the injured’s prior medical issues and background which may have impacted the claim, including possible changes to safety procedures with the HSE team.

What Could Have Been
The inclusion of a professional, outside field adjuster mitigated a host of hazards. It avoided a 4-5 hour ER visit and the wait to see a specialist following the required doctor referral. Surgery was not delayed, thwarting the potential for permanent damage, continued pain and therapy. The machinist was not converted to a lawsuit plaintiff, instead continuing a productive lifestyle to the benefit of his family.

Given the pre-established relationship, information was easily shared between the adjuster and treating physician, helping return the employee to work sooner. Cost inflation was controlled, and the company retained a key employee, bringing the process to a fast, felicitous solution.

Wish your worker's comp insurance claims had happier endings? Discover new pathways to success with the help of Minnesota Comp Advisor.

How to Handle a Worker's Comp Insurance Claim Part One

Written by on 1/1/2018 3:18 AM in , , , , . It has 0 Comments.

Worker's comp insurance claims are inevitable. Negative outcomes are not. When the proper steps are taken from the onset of the claim through resolution, your team can ensure positive results that support everyone’s best interests.

Not a Hassle
When a worker's comp insurance claim begins, it’s critical not to treat the injured employee as an obstacle. If your head machinist clocks-in, but then suffers injury from a small metal shaving that slices into the fingers of his right hand, how will you respond?

A Human Being
Let’s say you, the supervisor, treat him as a valued colleague and report the accident. Your machinist thinks it’s a scratch, but you consider the potential of serious injury. While he removes his gloves and washes his hand, you call your workplace health and safety (HSE) executive, who dispatches an adjuster to the job site while you bandage the worker.

A Deeper Understanding
The adjuster arrives, discussing the incident with the machinist. The adjuster’s experience compels him to ask the machinist to straighten the fingers affected by the thin, deep cut. When he cannot, the adjuster calls a hand specialist, describing the range-of-motion limitations, and the machinist is transported to the clinic.

A Helping Hand
Along the way, the two have a Q&A on what will commence and why the specialist was called. The drug screening company is called to meet them. The injured employee and adjuster fill out the necessary paperwork, including the medical authorization form from the injured employee.

What does all this personal attention net the employer? Find out in ‘How to Handle a Worker's Comp Insurance Claim Part 2’ from Minnesota Comp Advisor.

Safety Practices: What’s Sinking Your Ship?

Written by on 5/16/2016 3:28 AM in , , . It has 0 Comments.

As the Titanic has shown us, you may never be able to avoid accidents completely. However, steering your employees into safer waters can make an extraordinary difference.

Isolating risks associated with workman's comp injury management and preparing for the occurrence of the hopefully occasional - but unfortunately unavoidable - accident is essential to keeping your business’ boat afloat.

Surpassing expectations
In the last 40 years, though employment has nearly doubled, workplace fatalities and occupational injury and illness rates have decreased over 65%. Like the ship's crew on the Titanic, your employees expect a safe working environment – despite what may be lurking beneath the surface. This includes protection from everything from insect bites to slips and falls, broken bones, and worse.

Providing a safe working environment
Your employees – your ship’s crew – depend on you to provide a safe working environment. In fact, most avoidable injuries are a direct result of unaddressed or unseen issues with existing safety procedures. To reduce accident risk, continually strive for improved safety.

  • Investigate
    If an injury has occurred, perform a thorough investigation. Then perform a job safety analysis to identify other potential injuries, quickly addressing issues and enacting emergency procedures.
  • Train
    Always inform new employees of safety procedures. Provide refresher training to individuals involved in accidents or near-misses.
  • Educate
    Encourage and compensate employees who wish to learn more about emergency medical services. Those applied within 3-4 minutes of emergency events significantly improve outcomes.
  • Document
    To reinforce the need for - and improve - procedures based on relevant, practical information.

Don’t abandon ship. Keep your crew safe with the help of the workman’s comp injury management experts at Minnesota Comp Advisor today.