5 PUZZLE PIECES TO HAVE AN EFFECTIVE CALIFORNIA WORKERS COMPENSATION INSURANCE PROGRAM FIT THE NEEDS OF YOUR COMPANY.

 5 PUZZLE PIECES TO HAVE AN EFFECTIVE CALIFORNIA WORKERS COMPENSATION INSURANCE PROGRAM FIT THE NEEDS OF YOUR COMPANY. 

1. OPEN LINES OF COMMUNICATION.  Have Employee handbooks updated so they are easy to understand, in all languages necessary, explaining what each employee should do if and when they get hurt, addressing injury management and return-to-work programs and policies.  Employee communication is critical in controlling costs.  Go with the injured worker to the clinic, drive them home, and follow up on their progress.

 2. INJURIES NEED TO BE REPORTED IMMEDIATELY.  You must have a goal to report all injuries within 24 hours. Why?  There is a marked increase in claim costs the later the claim is reported.

 3. IDENTIFY THE EMPLOYEES THAT ARE MOST LIKELY TO BE INJURED.  Safety should be everyone’s business.  Some things you should consider are new hires, untrained, apathetic, those who complain or that are habitually late.  Whatever your company’s particular factors are, once identified, focus attention on them to practice safe procedures always. 

 4. MANAGE MEDICAL CARE.  Research and get to know your clinics.  You can instruct them to work with you on 1st Aid claims and keep them out of your experience rating formulas, you pay twice that way.  Always try and look for 2nd opinions on large claim reserves. Ask their help to fight fraud.

 5. IMPLEMENT SOME TYPE OF ANTI-FRAUD PROGRAM. Send a clear and professional message to your employees that fraud hurts them, their fellow employees, and the employer. Inform them Fraud will not be tolerated and there will be a reward for employees that identify fraud. Screen all employees. Supervisors must investigate all injuries.

 PRACTICE THESE 5 STEPS TO BETTER MANAGE YOUR CALIFORNIA WORKERS COMPENSATION INSURANCE PROGRAM

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