What You Need to Know About Workers’ Compensation Claim Process

Many construction companies lose a considerable amount of money in workers’ compensation claim cases. Managing these claims can be difficult if you don’t pay attention to the details of the process.

Here are the things that you should check to ensure a formulated post-injury process is in place.

Ensure Proper Reporting Including Claim’s History

The first thing to do in a workers’ compensation case is to report the claims to TPA (third party administrator) without any delay to avoid higher premium charges. After that, document the first report of injury and other essential paperwork. It makes a significant difference in handling the matter if the claimant has any history of previous claims. Advise the claims office with complete details of a worker’s past claims.

Review the Transitional Program & Board Decisions

The transitional program allows an injured worker to return to work for lighter jobs. Consider the worker’s physical condition during the return to work process. It is essential to consider the decisions made by the workers’ compensation board. Review the decisions again if you find anything suspicious.

Treat the Employees Properly 

You must not misbehave with the injured employee in any case as it can create problems during the claims process. Check-in on them as they recover at home. Ensure all your employees are available for discussion when the claim adjuster visits the job site to investigate the matter.

Dispute Unfair Claims

Make sure the claim adjuster is aware of every detail of the case, such as involved attorneys and previous claim history. If you do not dispute unfair claims, you will lose money and credibility.

Monitor Claim Trail

Monitor adjuster’s state filings with any related claim papers.

Be Active & Keep the Adjuster in Loop

While fighting for the claims, make sure you do not waste time unnecessarily. Monitor the medical progress report actively and keep the adjuster in the loop.

What Is Covered by Workers’ Compensation Insurance in North Carolina?

Employees who are hurt or get sick at work due to a work-related injury or accident will be covered for:

  • Medical Treatment

It includes costs for ongoing care, illness, accidents or injuries, and repetitive injuries.

  • Lost Wages

A work-related accident or injury can cause an employee to miss work. In such circumstances, they will receive a part of their lost wages. If an employee becomes disabled because of the injury and cannot return to work, they will receive disability benefits for up to 500 weeks.

  • Death Benefits

Workers’ compensation insurance will cover medical and hospital expenses and funeral costs if an employee dies due to a work-related injury. It also provides death benefits to the employee’s family.

These are the basics that you need to know about workers’ compensation claims. Do you have any questions about workers’ comp insurance? Contact the experts at Pittman Insurance Group, LLC. Our dedicated team is eager to assist with all your coverage questions and needs.

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