If you are a small company, you may not think too much about worker’s claims management. However, every business can benefit from following a set process for handling claims. This not only ensures claims are handled in a timely manner but it also ensures you are catching issues and looking out for both employees and your business. Here are some things to keep in mind that will help make managing worker’s compensation easier:
- Involve human resources. Every claim needs to be checked to ensure it isn’t affected by other laws, such as the Family and Medical Leave Act or Americans with Disabilities Act. The best way to do this is to keep HR involved in the claims process.
- Be very careful about terminating employees. It might be an automatic reaction to fire an employee who is making a large claim, but it is against the law to fire an employee just because they made a claim. You must have some job-related reason for termination.
- Understand the process. While your insurer can offer you a lot of assistance, you need to be informed, too. You should know about timelines, rules and claim denial terms, among other things.
- Obtain legal counsel. If you have to settle a claim, it can be very helpful to have legal counsel, but an attorney can also be helpful during the claims management process. He or she can offer advice and help ensure you are following the law.
Worker’s claims management is important regardless of whether you get one claim a year or hundreds of claims a year. Worker’s compensation is a legal process, so you have to take every claim seriously and ensure you do everything you should when dealing with them.