Workers' Compensation

An educated employer, equipped with the right tools, processes and relationships is capable of effectively managing the number, cost and duration of work-related injuries.

Image

Workers' Compensation Needs

Although the number of work-related injuries is declining nationally, the duration and the costs associated with them are increasing. It is essential for employers to arm themselves with effective and efficient ways to manage injuries, and to ensure that their vendors (medical and non-medical) are in alignment with their efforts to reduce the cost and duration of injuries.

Have Confidence in Our Expertise

Our workers' compensation specialists will help you develop a comprehensive injury management program designed to reduce claim costs by lowering the number and duration of loss of time injuries. This has a positive influence on your experience rating and your workers' compensation premium.

Injury Management

New Hire Practices:
Hiring the right employee to safely and effectively perform the required physical, mental, technical and essential functions of the job is your first defense in protecting your financial and human assets. New-hire practices encompass activities as wide ranging as a substance abuse testing program to the implementation of a health and safety orientation program. 

Job Descriptions:
Job descriptions that accurately reflect the essential functions, physical demands and expectations of a job provide applicants with a greater understanding of their role and the physical and mental demands of the job within your organization. Additionally, job descriptions should be used during the post-offer physical exam to assist the medical provider in determining the applicant’s ability to perform the essential functions of the job.

Supervisor Training:
Providing ongoing supervisory training is an essential component of an effective injury management program. Supervisors that are well trained and accountable to the mission of reduced injuries are more likely to take ownership of their department’s injury experiences.  Furthermore, a predominant indicator of the cost and duration of an injury is directly tied to the relationship between the employee and his or her front-line supervisor.

Provider Selection:
An essential component of an injury management program is identifying medical providers who understand workers' compensation and the unique needs of an employer. Providers must have the right training to properly identify and treat work-related injuries. They must also believe that prompt returning to work accelerates the physical, mental and social well-being of the injured employee.

Reporting Practices:
Developing and implementing a sound policy and procedure for identifying, reporting and treating injuries is an essential element in reducing the duration and cost of injuries. Employees, supervisors and providers must understand their individual roles and responsibilities and have a coordinated communication plan to ensure that all possible actions are being taken to keep injured employees at work if possible or return them to work as soon as medically appropriate. 

Transitional Work Assignments/Return to Work:
The longer that an employee is away from work post-injury, the lower their motivation is to return. Employees who return to work recover from their injuries faster by staying physically active and avoid deconditioning. This also allows consistent and positive contact between the employer and the injured employee, and reduces lost time wage payments.

Culture of Health and Safety:
Health and safety must be woven into all aspects of communication and actions. By making health and safety part of the everyday conversation, expectation and messaging, employees recognize it as part of the work culture.  

Data Analytics:
A powerful component of improving an injury management program is collecting historical data that you can use to develop future benchmarking goals. Retrospective data provides you with a rearview mirror view of where you have been and assists you in developing strategies to support the improvement process.  Analytics that are measured and transformed into actionable goals lead your organization to successful change and ultimately an improved injury management program.

Get Peace of Mind, Work with One Agency

Multiple insurance policies are often needed to ensure you, your family and your assets are protected. It is not uncommon to have insurance policies protecting your home, automobile, business, health, life, and property among many others. Having one agency handling all of your insurance needs allows you to gain both convenience and peace of mind in knowing your insurance is being managed effectively.