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This post is one in a 3-part series: Part 1: WorkersComp Independent Premium Audits Explained Part 2: WorkersComp Independent Premium Audits Explained Part 3: WorkersComp Independent Premium Audits Explained 5. You should consult with your insurancebroker, attorney, or qualified professional.
Employers must recognize that effective workerscomp management requires proactive employer involvement and robust internal processes to support external partners, emphasizing teamwork in workers’ compensation programs. FREE DOWNLOAD: “Step-By-Step Process To Master WorkersComp In 90 Days” 5.
When a workerscomp program isnt delivering results, many employers instinctively look outward. Our broker is never available. If you want a high-performing workerscomp programone that reduces claims, controls costs, and supports injured employees you need a rockstar internal team. Its the adjusters fault.
Employers can also explore light-duty work ideas to create suitable transitional assignments that align with an injured workers medical restrictions. Conclusion An effective transitional duty policy supports injured employees while controlling workers’ compensation costs.
A best practice is to call each provider on the list at least quarterly to confirm their workers compensation policies and availability. He is co-author of the #1 selling comprehensive training guide Your Ultimate Guide to Mastering WorkersComp Costs: Reduce Costs 20% to 50%. Have availability for timely appointments.
Thats not a dream its a reality for organizations that implement clear, consistent communication systems within their workerscomp process. The 9-Point System That Drives WorkersComp Success The best programs dont rely on memory or the right person doing the right thing at the right time.
This post is one in a 3-part series: Part 1: WorkersComp Independent Premium Audits Explained Part 2: WorkersComp Independent Premium Audits Explained Part 3: WorkersComp Independent Premium Audits Explained To qualify for this treatment, construction employers must keep meticulous records specifying exact hours worked per classification code.
Insist on Adjuster Training in Injury Management Many adjusters are skilled in policy and procedure but may lack training in return-to-work strategies or transitional duty. Click Link to Access Free PDF Download “Step-By-Step Process To Master WorkersComp In 90 Days” 5. All state laws vary.
Employers should: Develop an Employee Workers Compensation Brochure that explains what to expect if they get hurt. Provide information during onboarding about medical treatment options, return-to-work policies, and wage replacement benefits. Making it clear in company policies that an injury will not automatically lead to job loss.
An effective injury investigation ensures that only valid claims proceed, protecting both the company and legitimate injured workers. Claims Reporting Policy : Require employees to report injuries within a specific timeframe (e.g., You should consult with your insurancebroker, attorney, or qualified professional.
There are elements in your workers compensation program that may be creating challenges without you even realizing it. These challenges can stem from incentives, employee motivations, policies, or procedures that deliver unintended consequences. You should consult with your insurancebroker, attorney, or qualified professional.
” Common Flaws in Policies Many companies unknowingly implement policies that inadvertently sabotage their return-to-work efforts. These flawed policies often prevent employees from returning promptly, which can lead to increased costs and decreased morale. All state laws vary.
A policy or training is implemented to check the compliance box. Michael Stack, CEO of Amaxx LLC, is an expert in workers compensation cost containment systems and provides education, training, and consulting to help employers reduce their workers compensation costs by 20% to 50%. This approach is inherently inefficient.
Lets explore the roles of these critical players in a workers’ compensation system. Insurance Company: The Risk Bearer Often referred to as the underwriter, insurer, or carrier, the insurance company provides the workers’ compensation policy and assumes the employers risk. All state laws vary.
If no suitable roles are available on-site, remote work such as database clean-up, online training, or policy review might be viable. Conclusion Transitional duty programs are about more than just checking a boxthey are a cornerstone of a proactive workerscomp strategy. All state laws vary.
These challenges can be exacerbated by poor communication, lack of clear policies, or inadequate support systems. Develop a Comprehensive RTW Policy A well-defined RTW policy is the cornerstone of managing difficult return-to-work scenarios. You should consult with your insurancebroker, attorney, or qualified professional.
This can be done by partnering with clinics or healthcare providers that can see injured workers right away. Clearly define these roles in your RTW policy. Train Managers on RTW Policies : Supervisors need to understand the RTW policies and procedures, including their role in supporting an injured employee.
Transitional Duty Policies: Establish formal policies and procedures for transitional duty programs to accommodate injured employees returning to work. These policies should outline the types of work available, the duration of transitional duties, and how progress will be monitored. All state laws vary.
The Solution: Pay Without Prejudice The solution to this prevalent problem is the implementation of a Pay Without Prejudice policy. This policy authorizes payment for medical treatment up to a certain dollar amount (commonly $10,000) regardless of whether the claim will ultimately be denied. All state laws vary.
Click Link to Access Free PDF Download “13 Research Studies to Prove Value of Return-to-Work Program & Gain Stakeholder Buy-In” The Role of Collective Bargaining Agreements Collective bargaining agreements (CBAs) often define the rules and expectations around many employment issues, including return-to-work policies.
Work with insurance adjusters and third-party administrators to manage and resolve claims efficiently. Training and Education Provide training for employees and supervisors on injury prevention, reporting procedures, and return-to-work policies. You should consult with your insurancebroker, attorney, or qualified professional.
Since 2020, many workers’ compensation stakeholders have changed their operational models. Large numbers of insurancebrokers, employer HR departments, insurance and TPA claims departments, attorneys, and other companies servicing the workers’ compensation industry shifted to a remote work model. Workers’ Comp.
The root of the issue is not always poor implementation of return-to-work programs but rather hidden policies or procedures sabotaging progress. Identifying and addressing these policies is critical to achieving workers compensation reform. Here are common policies that can undermine success and strategies to overcome them: 1.
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