what to do when an employee is injured at work

What To Do If an Employee Is Injured on the Job

If one of your employees suffers an injury at work, you should starting time make certain their injury is treated as presently every bit possible. If it's an emergency, yous should call 911 correct away. After the injury, your employee tin file a claim with your workers' compensation insurance, also known as workers' comp, to assistance get important benefits, like medical handling coverage.

There are different state laws for this coverage depending on where you lot live. Generally, if your business concern has employees, you'll need workers' comp. Still, fifty-fifty if your business organization isn't required to behave this coverage, information technology can still be a good idea to get it. Many employees with a work-related injury sue their employer for their medical expenses. And then, without coverage, you'll exist financially responsible. And, if you tin't cover the costs out of pocket, it can be devastating for your small business.

It'southward of import to keep in mind that you don't normally need coverage for contained contractors that you hire for your company, and that workers' bounty doesn't aid cover personal injury claims that aren't caused by a person's work.

If You Have an Employee Injured on the Job, Don't Panic

If your employee is injured on the chore, y'all'll desire to follow these steps:

1. Human action fast: If your employee needs firsthand medical attention, telephone call 911 or an ambulance to take them to the hospital.
2. Follow all Occupational Condom and Wellness Administration (OSHA) recommendations: OSHA requires employers to notify the agency when severe work-related injuries occur. You'll need to report employee deaths within eight hours and hospitalizations, amputations or heart loss within 24 hours. Call the 24-hr hotline at 800-321-6742 or report the incident online.
3. Review your emergency plan: Follow the steps outlined in your programme for work-related injuries. If you don't have an emergency plan, consider creating one, considering it's best to prepare for the worst. Your plan should item the steps for dissimilar emergencies, including accidents and fires.
4. Go employees to a rubber place afterward an injury: Move any other employees in the expanse to somewhere safe. This can reduce the risk of additional injured workers.
5. Review the situation: When your employee is injured at work, you'll need to determine how severe it is and what caused it. This can assistance you decide if you should file an injury claim or not.
6. Become information, evidence and photos: Document your employee's injury with photos. Fifty-fifty if they say they're fine, yous should still annotation the injury in case they file a claim in the futurity. You may also desire to speak with other employees who witnessed the blow.
7. Maintain open, honest communication: Be transparent with your employee and insurance company while going through the workers' compensation claim process.

What To Do When an Employee Is Injured Off the Job

If there's an employee injured off the job, workers' compensation insurance won't provide them with benefits. To become workers' comp benefits, your employee must receive an injury at work. If your employee gets an injury outside of piece of work, their wellness insurance can help cover the costs of their handling.

When Piece of work Injury Compensation Is Not an Option

Most states require businesses to behave workers' bounty insurance if they have employees. But, there may exist exceptions for employees in certain industries, like:

• Domestic workers
• Agronomical workers
• Seasonal workers

If these workers are injured, and you're not required to carry coverage for them, they'll likely have to handle their medical bills on they're own. If they're an independent contractor, they may have workers' compensation coverage from their master company.

Navigating Work-Related Injuries and Work Injury Compensation

It's not uncommon for employees to get hurt on the job no thing what industry you're in. Whether you're a contractor, plumber or even a barber, anyone can become injure or sick from a piece of work-related crusade.

If your employee gets a work-related injury or disease, you should seek medical care for them. Your employee should file a report with you to commencement the workers' compensation process. Afterwards getting their study, yous can outset documenting and gathering data about their injury or disease.

Each state has a time limit for filing workers' bounty claims. You lot may want to make sure your employees know virtually any statute of limitations. No matter where y'all alive, the sooner they file an injury report, the better. If they wait besides long, your employees could lose their workers' compensation benefits.

What Is Considered on the Job Injury?

Workplace injuries result from normal activities or duties on the task. Some of the most mutual causes of these injuries include:

• Slips and falls, such as an employee sliding on ice outside your office or slipping on a wet floor.
• Improper lifting technique, which tin can cause an immediate injury or a repetitive stress injury, similar tendinitis.
• Machine accidents while your employees drive for business purposes.

Although these are some of the more than common ways your employees tin go an injury at piece of work, workplace injuries can vary from industry to industry. For case, construction employees may experience different workplace accidents than someone working in an accounting firm.

How The Hartford Helps When an Employee Is Injured on the Job

Workers' compensation insurance is merely 1 way we assist get injured or ill employees returning to work quickly. With workers' comp, we tin can help pay for your employees' medical treatments if they become injured on the job. We can also help supplant about of their lost income if they take fourth dimension off from work to recover.

Our team of insurance specialists are here to help you lot. If one of your employees gets injured on the chore, we make filing a workers' compensation claim piece of cake. To larn more than about workers' comp and other liability insurance policies you may need, get a quote today.

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Source: https://www.thehartford.com/workers-compensation/injury-at-work

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