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Workers' Compensation Blog

How to Handle Workplace Injuries While Mitigating Costs

How to Handle Workplace Injuries While Mitigating Costs

Last year, Arizona voters approved Proposition 206, "Federal and state laws require businesses to carry workers’ compensation insurance for one simple reason: injuries happen. Even in the safest of environments, it is possible for accidents to lead to minor or serious injuries. It is in the best interest of businesses to learn how to handle workplace injuries in a way that meets the needs of the injured worker and mitigates costs at the same time.

 

From our perspective, there are three things businesses can do to correctly handle workplace injuries:

  • Prepare
  • Respond
  • Follow-up
We explain each of these three things below. As you read, keep in mind that BenefitMall offers workers' compensation for small business. Our workers' compensation plans are flexible and responsive so that clients only pay what is necessary to properly cover their works.

 

Prepare for Injuries


Whether you are talking about workplace injuries or natural disasters, preparation is key. Companies prepare when they know a severe storm is blowing in; they out to prepare for the eventuality of workplace injuries too. Very few companies go their entire histories without experiencing injuries.

 

Respond to Injuries


The worst thing a company can do in a workers' compensation case is fail to respond to the employee's needs. Immediately following an injury, the most important thing is to make sure the worker gets the necessary medical attention. Emergencies need to be handled by calling first responders; non-emergencies can be handled commensurate with the injury itself.

 

Follow-Up after the Injury

 

Lastly, it is important for companies to follow up with injured workers in the days and weeks after the incident. They should be willing to do whatever it takes to help the injured worker get back on his or her feet and back to work. This requires open lines of communication between employer, employee, medical teams, and insurance carriers.

 

Failing to follow-up can be problematic should an injured worker decide to sue. Obviously, civil litigation is something that companies want to avoid. It is far better to adhere to sound follow-up policies than take the risk of a lawsuit.

 

Workplace injuries are a fact of life for your small business clients. Have a client looking for workers' compensation? Send them here! They will learn all about workers' compensation with BenefitMall and receive a free quote.

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