Six Steps to Effective Claims Management

Step 1 – Have an Injury Reporting Plan in Place

Every employer should have an injury reporting plan in place before an injury occurs. An injury reporting plan is typically a one-page, step-by-step guide explaining what to do in the event of a workplace accident. Make sure your supervisors know who your selected medical providers are and where they are located.

Step 2 – Take Care of Your Injured Worker

In the event of an accident or injury to one of your employees, you must ensure prompt medical attention for your injured worker. In a life-threatening or emergency situation, call 911. For less severe injuries basic first aid should be provided. You may also offer the employee a medical provider referral or transportation to the closest occupational medical provider for treatment. Give your injured worker a copy of our "Guide for the Injured Worker" brochure. Keep in mind that the injured worker has an absolute right to seek treatment with their choice of medical provider.

Step 3 – Report Claims Promptly to Chesapeake Employers

Early intervention in a claim helps to ensure the best medical care for the injured employee. Prompt reporting of an injury has been shown to help reduce the overall cost of a claim. Reporting injuries early can also help reduce the potential for unnecessary litigation down the line.

Step 4 – Investigate and Document the Accident

When an accident happens, take the time to investigate its cause and surrounding events. Obtaining signed "Accident Investigation Statements" early on helps to ensure the details of the incident are documented while still fresh in everyone's mind.
Forms and Publications

Step 5 – Stay Involved during the Claim Process

Maintain regular contact with your injured employee while he or she is home recovering – at every opportunity, show your concern and provide encouragement. Also, work closely with your claims adjuster during the investigation and management of all open claims. Provide requested information in a timely manner, and notify your adjuster of all pertinent developments. Working together as a team can help make the claims process most cost effective.

Step 6 – Get Your Employee Back to Work

If possible, identify modified or alternate work activities to bring your injured employee back to work as soon as is medically possible, ensuring that any medical restrictions are met first. Communicate with the medical provider and explain your company's intentions for early return-to-work. Share job descriptions with the provider, review procedures for the injured employee, and clarify the expectations of the return-to-work program. Creating a Return-to-Work Program.

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