As an employer, you value the safety of your workers. However, accidents can happen even in the safest of workplaces. What should you do if an employee is injured on the job?
The measures you take after an accident is reported can greatly impact your workers’ compensation costs. Be sure to follow these four steps immediately following a work-related injury or illness:
- Seek medical attention. Your employee is entitled to adequate and reasonable medical care, including doctor visits, hospital services, prescriptions, etc. Speedy and efficient medical attention can reduce any long-term disability and help keep insurance premiums down.
- File an injury report. Fill out all forms that need to filed and be sure to notify your independent agent and insurance company that there has been an incident. If the employee is unable to earn his or her full wages for five or more full calendar days, the employer must electronically file Form 101– Employer’s First Report of Injury or Fatality.
- Obtain information and documentation. Maintain contact with the employee, adjuster, medical providers, and any other parties that may be involved. Keep records of all documents and give the employee a copy for their own records.
- Get employees back to work. One of the most important ways to reduce your workers’ compensation costs is getting the employee back to work quickly. Job or tool modification can help the employee return to work as soon as possible and help prevent future injuries.
For more information on workers’ compensation insurance, contact McGrath Insurance Group at 800-342-3859 or www.mcgrathinsurance.com.
*This article is for informational purposes only and should not be construed as providing legal advice.