If You Have a Claim Marty Orlowski, an account executive with insurance agency the McNish Group, in Royal Oaks, Mich., says that “putting people back to work and getting them back in the flow of things as soon as possible seems to help them heal quicker.” He suggests the following:
Immediately report the injury to the insurance company. “The claim will cost a lot more if you wait a week than if it’s reported in the first 24 hours,” Orlowski says.
After the employee sees a doctor, call your insurance company and set up a return-to-work program. Some insurance companies will give you credit for having a written policy.
Stay in contact with and encourage the employee if he or she is off work with an injury.
Find out the employee’s work restrictions.
Make sure the doctor understands the employee’s job description.
If you feel that the employee is taking advantage of the situation, ask your adjuster for an investigation.
Of course it’s best to “be proactive,” Orlowski says. “Usually, if the head of a company is taking ownership on safety, it trickles down to everyone else.”
