When an employee is injured on the job or suffers an illness from the job, it’s hard to know the first steps to take as the employer, especially if the employee needs immediate medical attention. If you have employees in California, you are required to have a Workers’ Compensation Insurance policy in place to pay for medical bills and associated costs of a work related injury or illness. As an employer, you have a duty to report a work related injury or illness within 24 hours of knowledge and to ensure they receive medical attention. It’s always a best practice to keep your insurance agent’s information on hand in case of emergencies.
- An employee comes to you stating that they’ve suffered a work related injury or illness or you witness an employee sustain an injury in the workplace.
- If the injury or illness is life-threatening, never hesitate to call 911 and take the employee to the nearest emergency medical facility.
- If the injury or illness does not require immediate medical attention, call your Workers’ Compensation Insurance carrier to report the claim. You will need your policy number and information regarding the injury in order to report the claim. If you do not have this information, call your insurance agent to obtain it.
- When reporting the claim to the insurance carrier, you can obtain a list of the closest medical providers that are within the medical provider network (MPN). In order to better guarantee the medical costs to be covered, you must have the employee see a provider that is within the network. These providers have special contracts with the insurance carrier to provide services at an agreed cost.
- You can also obtain the Workers’ Compensation Claim Form (DWC 1) from your agent or insurance carrier during your call. You will need to complete this form with the injured employee during the claim reporting process.
- Once a medical provider has been selected, be sure to call ahead and ask if an appointment is necessary. When calling, identify the patient as an injured employee so the appropriate doctor can be assigned.
- Lastly, be supportive to the injured employee throughout the process and never punish or reprimand an employee for suffering a work related injury or illness. Cooperation with any recommendations from the claims adjuster and with the employee will help in getting the employee back to work quickly and safely.
It’s always a good idea to keep an open discussion with the employee on any ways you can assist them in getting back to work. This will not only foster a stronger relationship with your employee but can also save you money in the long run.
Have any questions or need a comparison quote for Workers' Compensation Insurance? Give us a call at 888-512-8878 or request a quote online.