Accidents happen—no matter how cautious your employees are, sometimes, it really can’t be helped. They have setbacks at work that, for the most part, rarely happens if they’re following the correct procedures. However, if it does happen, they should be entitled to compensation that will make up for the hospital bills and lost workdays while they’re healing.
In New Jersey, a comprehensive law entitles all employees to a uniform monetary amount to protect their budget in a sudden work accident. While insurance coverage is still required and legally applied to reduce the necessity for lawsuits, it may also enable the employee more opportunities to access their needed compensation.
With all of that said, you may need to familiarize yourself with the following steps, just in case one of your employees experiences an accident while on the job. Take note of them all and avoid any unnecessary problems for the company.
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Ask about the Details of the Accident, along with the Extent of the Employee’s Injury
How bad is it? Did your employee suffer a small cut, or did they end up with a broken back in the process? These questions need to be answered as you will be at the forefront of the investigation as well.
You perhaps regularly implement safety seminars and training, but that may not make up for the possible neglect found, especially if the management fails to keep everything in the workplace up to date. The biggest defense would be to ensure that your equipment is checked and well-maintained so that none of your employees would be a victim of malfunctioning amenities at work.
Once the incident happens and there are no signs of neglect on your management, you can begin asking about the other details that may have caused the accident.
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Choosing the Best Physician and Medical Care For Your Injured Employee
Just because they are insured doesn’t mean that you have no say when it comes to their treatment. You may recommend a good specialist that may tend to their specific injuries and choose the hospital intended for their recovery, one that will take care of them until they fully heal from their injuries—both physical and otherwise.
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Assist the Injured Employee in Any Way
Going the extra mile will show your employees that you care about them. Don’t hesitate to give them a helping hand, especially if their insurance provider asks for their paperwork. These essential documents are needed to evaluate their credibility when it comes to receiving compensation.
After all the checks and evaluations have been done, the insurance carrier will contact all parties involved to validate the situation one last time. They will contact the injured employee, company, and the medical provider to come to an agreement that will finalize the person’s credibility to receive their needed amount.
Conclusion
Taking the necessary steps to resolve your employee’s woes after a work accident will not only help them cover their hospital bills but give them a good impression of your company. Doing so also ensures that you avoid potential lawsuits.
Investigate the details and extent of the accident, pick the best doctor for them, and help them with the requirements needed to help them gain access to the compensation they need. Boost their morale in the process, and you may just earn a loyal employee that will work for you ‘till the end.
If you want to offer your employees comprehensive insurance to take care of their needs for work injuries, no other insurance company comes close to Quesurance. We handle business insurance, home insurance, flood insurance, among others. Contact us today to learn more!
