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How Do I Handle a Workers’ Comp Claim?

19. May 2014 08:45

Man in hardhat pointing for others in hardhats

Workers’ Compensation Insurance claims often make a small-business owner’s blood run cold because they could mean one of two things:

No one wants to see their employees suffer. And no employer wants one questionable claim to open the floodgates for more questionable claims. Earlier this year, an article on discussed this fear of injury / illness claims and explained why effective communication is the best way to handle any sort of Workers’ Compensation issues.

We have to agree. Below, we dispel a few misconceptions about Workers’ Comp claims and explain why communication is key.

Why You Should Always Talk to Your Employees about Workman’s Comp

According to the article, “88 percent of employers and others involved in the claim process wrongly thought that communicating with employees caused them to file a workers’ comp claim.”

In fact, the opposite is true. The article explains that injured workers often hire lawyers because they can’t get adequate information about their benefits from their employers – not because they wish to swindle their boss. The article suggests that if employers opened a strong line of communication about Workers’ Comp, employees might not feel the need to hire lawyers.

Below, we offer some tips on how to keep that line of communication open.

Tips for Communicating with Employees about Workman’s Comp    

So you want to be honest and open with your employees about Workers’ Compensation Insurance. This dialogue should start from the moment you decide to hire.

Below, we summarize a few communications tips. Be aware that in most states you are legally required to supply most of this information in event of a claim. But it’s never a bad idea to get a jumpstart:

During all of your communication, be sure to emphasize how important it is that your employees notify you of an injury or illness as soon as possible. All states have reporting deadlines, and if they wait too long to report, they may not be able to receive benefits. If you fail to supply this information, your business could be fined.

This post is part of an ongoing series on Workers’ Compensation Insurance and the high cost of occupational injuries. Stay tuned for more on how to handle work injury claims, adhere to state Workers’ Comp laws, and find affordable coverage!


Risk Management | Small Business | Small Business Risk Management | Tips for All Small Businesses | Workers' Compensation Insurance

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