Some employers feel like workers' compensation is a guaranteed payout system with very little benefit to them. It is for this reason that many employers are taking steps to manage workers' compensation costs before claims arise. This requires a focus on safety in the workplace and an increase in the visibility of workers' compensation policies and practices in the workplace. By understanding the context in which claims arise, policies can be implemented to take corrective action.
Create incentives based on goal achievement to motivate staff. Make the incentive practical and within a certain dollar threshold. You don't want workers to let injuries or hazardous work stations grow into something that could cause greater injury, just to get the incentive.
Set safety objectives. Setting performance indicators around safety is a good way to ensure that they are consistently tracked and held accounted for.
Bring injured workers back to work sooner. Allow them to work from home or in activities that they are still able to perform.
Avoid injury claims. The only way to do this is to create a safe working environment. Take the time to create clear written policies, have regular staff training and require internal site inspections.
Change claim pools. If you're a small business, you are usually placed into a pool with other small businesses by your insurance provider. Your premiums are a function of the total claims brought in by the pool, not just your company. Request changing to another pool with a better claims history if your premiums increase but your claims haven't.
Establish relationships with workers' comp health care providers. While workers can go to any doctor in case of an emergency, incidents that are not emergencies can be managed. Employers can send nonemergency injuries to their own providers. Providers that are familiar with work-related issues usually have a process in place to help speed recovery and get workers back on the job.
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