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An Employers Guide To The Worker Compensation Claims Process

As an employer, your primary responsibility to ensure your employees healthy and safe working environment. However, there are instances when workers get injured or become ill due to work. This is where the workers compensation insurance program enters the picture.

Under this program, employers must buy insurance coverage that provides medical and wages replacement benefits to workers who sustained an injury or illness due to their jobs. Regardless of who’s at fault for what happened, the injured or sick employee can get compensated. But before they can recover compensation, you need to file a claim on your employees behalf.

Keep reading this article to familiarise the employers guide to the workers compensation claims
process.

businessman in blue jacket giving form for compensation claim to

businessman in blue jacket giving form for compensation claim to worker with broken arm at table in office, compensation concept

What Is Workers Compensation For Employers?

As mentioned, workers compensation insurance is designed to compensate employees who are injured or become at will. Some injuries and illnesses covered by this insurance coverage can include sudden accidents, repetitive stress injuries, occupational diseases caused by workplace
conditions, and many more.

Hence, if you want to provide financial assistance to your injured or ill workers, you should carry workers compensation right from the start. Failure to do so can result in some legal consequences. For example, suppose you don’t have insurance coverage. In that case, your injured or sick employee can sue your business with the help of a lawyer from a reliable law firm like Terry Katz and Associates. When this happens, you’d need to hire a lawyer to represent and defend your company against the suing worker.

Steps To Navigate The Claims Process

Now that you know what workers compensation is for employers, the next thing you can do is familiarise yourself with the steps associated with the claims process. Under the workers compensation insurance program, you’re responsible for filing the claim to your insurance
carrier.

To make sure the claim is filed correctly, below are a few steps you need to consider from the
get-go:

1. Remind Your Employee To Report The Injury

To make the claims process as smooth as possible, you need to ensure your employee reports in writing the injury or illness to you as soon as possible. Although the notification time varies from

one state to another, the standard timeframe would be within 30 days from the date of the accident or sickness.

Generally, prompt reporting of what happened is crucial for the claims process. When workers fail to do so, they may lose their right to compensation under the insurance program.

2. Help The Employee With The Paperwork

After being notified, you should assist the employee with completing the necessary paperwork. For example, you need to inform them about their rights under the workers compensation program. Make sure to provide them with forms to fill out. These can include the workers comp claim form and the report of injury form, which should be submitted to your state workers compensation board.

When it comes to filling out the claim form, make sure the employee writes down all the details, including the nature and type of the injury as well as when, how, and where it occurred. This way, you can ensure a successful filing later on.

3. File The Claim Form

Once your employee fills out the claim form, the next step you should take is to file the claim form to your workers comp insurance provider. In doing so, you may need to submit some supporting documents, including a medical report from your employees doctor. These pieces of documentation may be necessary to support your workers claim and increase their chances of receiving compensation.

4. The Insurance Carrier Will Either Approve Or Deny The Claim

After the filing, the insurer will review the forms submitted and determine whether the employee should be granted the benefits or not. If they approve the claim, they’ll notify you and the employee with the payment details. Your worker and their lawyer will step in the process by accepting the payment offer to cover benefits or negotiating a larger settlement offer.

On the other hand, if the insurer denies the claim, the employee will be notified. At this point, they have the option to file a motion for reconsideration from the insurer or institute a formal appeal with your states workers comp board.

5. Your Employee Returns To Work

When your employee is injured or sick at work, they’re given ample time to heal. Once they’re done with the recovery, they should notify you and the insurance carrier in writing that you can return to work.

When this happens, you can provide some programs to help the employee get back to work productively. For example, you can give them some training in other job positions if they can no longer perform their regular functions because of the injury or illness.

Bottom Line

Sometimes, your employees can sustain injury or sickness at work. When this happens, you should be ready to support them financially, emotionally, and mentally. This is one reason you should have workers comp to ensure financial protection to your workers and avoid potential non-compliance issues that may affect your business.

However, if you need help navigating a workers comp claims process more efficiently, keep this guide in mind. By doing so, you’ll not only make the entire filing process much easier and faster, but you’ll also improve your employees chance of getting compensated.

Need to Insure Your Van? Here’s All You Need to Know

Having a van is great for so many reasons. They are stylish, comfortable, and spacious. They don’t have the stigma of a large truck and can still carry a lot. It’s typically not too hard to add some extra shelves or storage on the inside of your van if you need more room for tools, groceries, or whatever else you might need with you on your trip. With having such a nice vehicle, there are some things that you need to know in order to properly insure your van.

1. Choosing A Provider

The first thing that you need to do in order to insure your van is to choose a provider. You can either go with a well-known company, or you could go with a smaller company that only deals with vans and commercial vehicles. The choice is up to you, but it’s important to consider cost and coverage.

Since Insurance costs can depend on various factors, not every company will give you the same quote. It is important to compare commercial van insurance providers so that you can find the best policy for your van. Remember to check customer reviews so you can get a better understanding of what sort of services the provider offers.

While the cost is the number one factor, don’t forget to look at the coverage. This is the most important feature to look at when purchasing commercial van insurance because you don’t want to be underinsured.

2. Know Your Van

Another thing that you need to know in order to insure your van is the type of van that you have. If it is not listed on their list of vehicles, make sure to call them and ask before making a purchase. They will be able to tell you if they provide insurance for your specific vehicle or not.

If you are looking to save money on your van insurance, remember to stick with the basics. Don’t put any extra features onto your van that aren’t considered standard. In a way, this is similar to buying a house – you don’t want to add in an expensive feature, like a pool in the backyard. This is because you will end up paying more for these “extras” that are not needed.

However, if you think an extra feature could help lower your rate, call and ask them. Remember that they want to make you as a customer happy and if showing off an extra feature will make the sale, it’s something they will consider and possibly offer.

3. Have Your Papers In Order

The company will likely need a copy of your registration, as well as a copy of your VIN (this can be found on the dashboard). If you bought the used van and it still has its original license plate and registration, then they may require a copy of this as well.

Dealing with paperwork may seem like a daunting task, but it is important that you keep all of your paperwork in order. If you keep all your papers together in one place and show it to the agency when you need to, you’ll save yourself from a lot of stress and you should not have any issues with the provider. You want to make the process of getting insured as easy and quick for yourself as possible.

If you happen to lose these papers or they are destroyed, don’t worry – most companies will be able to look them up with the VIN number. If this is something that was done years ago and you can’t find those papers, just call the company and ask if they can still give you a quote with you not having those documents.

4. Know What Coverages You Need

When buying commercial van insurance, it is important to know what coverage options are available to you. While you can check out online, you may want to speak with an insurance professional. By speaking with them, you will get a better understanding of what coverage options are available and which ones would be best for you.

There are some coverages that every commercial van needs – liability is one of these. This covers the cost of injuries or property damage if you are at fault, while uninsured coverage is another important one. This helps protect you in case the other driver has no insurance or if what they have is not enough to cover what you need.

Another important coverage you should look at is underinsured coverage. Paying for injuries and property damage can be expensive, especially if it is a major accident. With the right amount of underinsured coverage, you would not have to pay as much money on your own.

5. Know Your Driving Records

Before you can purchase commercial van insurance you will need to know your driving records. This is something that should be taken care of before you go out and buy your insurance because if there are any accidents or tickets on your record, then you could end up paying more in the long run.

If, however, you do find out you have some accidents or tickets on your record and you would like to still purchase van insurance, make sure to call and speak with the company. They could help you get a much better rate by switching your coverage options or raising your deductible. You may even be able to get away with purchasing coverage without having the accidents on your record.

Even though it can be stressful, you want to make sure that you think about every possibility before making a decision. By doing this, you will be able to figure out whether or not something should stay on your record and if it should, how it should affect your insurance coverage.