Workers’ Compensation Insurance, also referred to as Workers’ Comp, is extraordinarily important coverage. It helps your employees recover from work-related injuries or illnesses and return to work. Just as important is the availability of Claims Assistance in filing those Workers’ Comp claims.
WorkersComp4SmallBusiness works closely with adjusting insurance companies handling worker’s compensation claims. We help to ensure compliance with statutes and administrative rules, as well as the smooth, efficient and expeditious processing of clients’ claims.
We work closely with you and your injured or ill employees to better help everyone understand the Workers’ Compensation system. Also, to answer any of your questions. We serve ad hoc, as needed, as a liaison between the injured or ill employee and their adjusting carrier, working directly with insurers.
WorkersComp4SmallBusiness coordinates with Integrated Disability Programs and Return to Work programs which work with injured and ill employees, employers, insurers and health care providers to expedite the process of returning an injured or ill employee to work as soon as possible.
If an employee of yours informs you they have been injured on the job or become ill as a result of their work, it is very important you file a Workers’ Compensation claim with your insurer immediately. Each state has unique Workers’ Compensation laws regarding the length of time an employer has to file a such a claim. Contact us immediately for more information so you can be sure to understand your state’s requirements.
How to File a Workers’ Comp Claim
A report of a job-related injury or illness must include basic information about the accident or illness:
- the circumstances of the accident;
- the type injury; and
- the details and time of the accident or incident.
As Employer, you will have to follow these general steps for filing a Workers’ Comp claim:
- Provide the Employee with a Workers’ Comp Claim Form
- Submit the Official Paperwork. After you receive a completed claim form back from your employee, you will need to send it to your Workers’ Compensation Insurance company. This places your Workers’ Compensation Insurance carrier on notice of a claim they will need to either approve or deny. Also, you must make sure of how long your state allows you to file a Workers’ Compensation claim. For example, some states allow employers 10 days after an accident to file a claim.
- Provide accommodations for your employee when they Return to Work. Depending on the employee’s injury or illness, you may have to make accommodations to aid them in completing their job upon their return to work. In some cases, you may need to provide training to help those employees transition to a new job function. Your insurance carrier will help provide guidance here.
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