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Health Care Services & Workers Compensation Insurance

April 2015
Ryan Markoff, AAI, Commercial Producer at American Insurance, is responsible for uncovering areas of unrealized risk for clients and specializes in Workers Compensation issues. American Insurance is an Independent Insurance Agency representing several insurance companies.

Ryan Markoff, AAI, Commercial Producer at American Insurance, is responsible for uncovering areas of unrealized risk for clients and specializes in Workers Compensation issues. American Insurance is an Independent Insurance Agency representing several insurance companies.

In layman’s terms, the purpose of a Workers Compensation (WC) Policy is to provide insurance coverage for job-related injuries to employees, and it provides disability benefits for that injured employee while they are away from work. With regard to WC, the goals for an employer should be to provide a safe work environment and to watch the bottom line on WC premiums. A step in the right direction would be shortening the timeline when it comes to WC losses. There are several Managed Care Strategies that may be implemented to help, but let’s key-in on two of them.

Q: How can I shorten the timeline, when it comes to my employee’s recovery from a workplace injury?

A: Step 1 – Develop a return-to-work/light duty program. If possible, provide a path back to work for your employee that was hurt on the job. Light duty work may be the first step to getting back to their intended position. Step 2 – Develop at least one relationship with a preferred medical provider. This strategy is often overlooked, but it helps your employee when you can offer options at the time of an injury.

Q: What is involved with implementing a return-to-work/light duty program?

A: Create a list. You need to identify tasks that are “administrative” in nature. Duties may include, answering phones, filling out paperwork, taking inventory, placing purchase orders, shredding documents, data entry or manage incoming mail.

Q: Why should I, as a business owner, strive to develop relationships with doctors?
A: It makes it easier on your employee when injured. A direct dialog with a doctor also allows you to communicate your return-to-work tasks. That doctor can then approve or disapprove which tasks can be performed by the injured employee. This relationship aids in the process of getting the employee back on track.

American Insurance
410-877-0017
www.aioinc.us

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