Cornerstone Insurance Agency Blog
Be careful of how you treat workers’ compensation claims. Worker's compensation claims come up as a result of errors. These errors are caused by bad feelings from the staff, additional liability claims, and legal issues. Here are five things you shouldn't do with worker's compensation insurance.
Not Taking the Claims Seriously
It’s not unusual that people make a joke out of worker’s compensation claims. If someone is injured, take it seriously from the moment that the employee files the claim. After an initial worker’s compensation claim, don’t blow off your employees. Always give them time to be heard. The claimant is your partner in a situation that is difficult but resolvable.
Not Documenting Details
The office administration should investigate every report of an instance of workplace injury. This goes through, no matter how small the case is. Documenting details is essential here. This calls for vigilance when it comes to interviewing witnesses and getting statements while reviewing text, audio, or video details of the incident. Document details like the exact time of the injury, the details and location of the injury, and witness accounts. If you don't document the details fast, you may lose them.
Delaying the Response to a Claim
If you’re moving too slowly when it comes to dealing with the worker’s compensation claim, you’ll encounter a lot of problems. You might miss the opportunity to obtain details. Moreover, the insurer won’t be able to process the claim. Worst, the injured worker could file a lawsuit that would put the company in a bigger legal and financial trouble.
Not Communicating With the Injured Employee
You should stay in touch with the employee even after he files a worker's compensation claim. If you don't do that, he might feel frustrated. This might push him to file a lawsuit against you and the other employers. This could purely be based on a simple reason like the employer doesn't seem to care about the case. Otherwise, the injured employee might complain because of a worsening inflamed part of his body, and you've required him to go back to work.
Retaliating Against the Employee
If your employee files a worker's compensation claim, you and the company have no right to retaliate against him. You can't do so even inadvertently. The administration may retaliate by harassing the employee or by creating a challenging work environment for him. Moreover, the employer may ignore him when it comes to promotions.
Some Final Words
It's not easy dealing with worker's compensation insurance claims as employees address them to the company admin first. The best thing to do is to remain professional with the injured employee. You should treat the issue with fairness. Worker's compensation insurance is essential so that you and the employee can resolve the problem right away. After all, it's all for the benefit of the company.
At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE.