When an accident or harm occurs on the job web site, how does your group react? Do you’ve gotten a plan in place? Do group members know who to name? Analysis reveals delayed reporting of office accidents can enhance the price of staff compensation claims for the corporate by as much as 51%. Meaning your group member doesn’t simply endure after an harm, your backside line might, too.
Fortunately, harm triage helps handle and cut back claims. Interested in what harm triage is or the way it can profit your corporation? Learn on.
What’s harm triage?
Damage triage is a complimentary service offered to all staff compensation policyholders by our accomplice, Medcor. The hotline is accessible 24/7/365 to any injured group member, serving to them get the proper care on the proper time. With about 40% of worksite accidents, first assist or self-care can be utilized to cut back or eradicate emergency room charges. When obligatory, harm triage will refer injured staff to in-network amenities to benefit from prenegotiated charges.
Not solely does the triage service profit staff by figuring out the very best route of care shortly, but it surely additionally advantages enterprise house owners. Damage triage helps you decrease the variety of missed work hours in your group, cut back declare bills, and eradicate the necessity to file a First Report of Damage (this might be performed routinely).
How does the method work?
Let’s say a group member is injured whereas they’re on the clock. If the emergency is extreme or life-threatening, somebody within the neighborhood ought to name 911 instantly. If the harm isn’t life-threatening, observe these steps:
Step 1: A supervisor ought to name the harm triage hotline at 833-833-1934. If a supervisor isn’t out there, an worker ought to name the road instantly.
Step 2: A healthcare skilled will reply (usually inside two minutes or much less) and ask to your firm’s title, location, and coverage data. The worker will then privately communicate with the healthcare skilled and describe their harm.
Step 3: The healthcare skilled will consider the harm and provide care suggestions. If self-care is really helpful, the healthcare skilled will overview the plan with the supervisor and worker. If off-site remedy is critical, a medical facility might be really helpful.
Step 4: The healthcare skilled will tackle any remaining questions or considerations.
Step 5: The worker pursues decided care.
Step 6: A First Report of Damage is routinely created by Medcor and forwarded to Frankenmuth Insurance coverage.
Utilizing your claims administration advantages can assist shield staff and your backside line. Taken with discovering extra perks and coverages in our staff compensation insurance policies? Discuss to a native, unbiased agent at the moment.