The goal of having a relationship with a WorkComp specialist medical provider is to ensure that the doctor knows your business and the physical demands that your employees are under. They should also have a good knowledge of the transitional work that you have available. When a doctor knows that you will accept an employee back to work on transitional duty, they are far more likely to send them back to work rather than send them home to sit on the couch and watch infomercials for attorneys at 1-800-SUE-THEM.
When an employee is at work, they are less likely to hire an attorney and more likely to work hard to get back to their full duty position. This process not only gets employees back to work more quickly, but it also reduces the amount of money that the insurance company spends on your employee injuries, reducing your experience mod and therefore your workers’ compensation insurance costs.
The workforce is getting older and we need to be mindful of accommodations that older workers may need today that they didn’t need before. However, this new research from NCCI should sharpen employer’s focus on what can drive down injury rates and costs, like hiring the right people, training them to do their jobs safely and when accidents do happen make sure they are reported immediately and treated by a skilled physician who will send them back to work, rather than send them home.
If employers follow those steps, having older, experienced workers on the payroll can be a great asset rather than a potential liability.
Kevin Ring is the Director of Community Growth for the Institute of WorkComp Professionals, which trains insurance agents to help employers reduce Workers’ Compensation expenses. A licensed property and casualty insurance agent, he is the co-developer of a new Workers’ Comp software suite that will help insurance professionals in working with employers. He can be contacted at 828-274-0959 or Kevin@workcompprofessionals.com.