Meet Today’s Webinar Team...Moderator: Joshua White. Josh is a safety services representative for...
Transcript of Meet Today’s Webinar Team...Moderator: Joshua White. Josh is a safety services representative for...
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Meet Today’s Webinar Team
Moderator: Joshua WhiteJosh is a safety services representative for Texas Mutual’s safety services support center. He conducts virtual, telephonic safety surveys with our small business owners to help provide guidance in their workplace safety efforts. Josh joined the safety services support center in early 2016 and has been doing his part to keep Texas safe by offering his expertise to our policyholders.
Presenter: Ashley MikytuckAshley is a technical writer for Texas Mutual’s safety services department. She joined the safety services support center in early 2015 as a safety representative and is now assisting the department with written safety content. Ashley holds a bachelor’s degree in urban studies from the University of Texas.
Presenter: Laurelle BednarLaurelle is a training consultant for Texas Mutual’s safety services department. She conducts webinars, presentations and creates e-Learning content for our policyholders and internal departments. Laurelle holds a bachelor’s and master’s degree in anthropology from California State University Fullerton.
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The Advantage of Timely Claims Filing
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Agenda
Filing a claimWhat each
party is responsible
for
Benefits of timely claims
filing
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Agenda
Filing a claimWhat each
party is responsible
for
Benefits of timely claims
filing
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Agenda
Filing a claimWhat each
party is responsible
for
Benefits of timely claims
filing
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The claims process
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Workplace injury
One of your employees is hurt on the job…What should you do?
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Claims process
3
Report to OSHA
Fatalities
Amputations
Loss of an eye
Hospitalizations
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What is workers’ comp insurance?
Medical bills
Some lost wages
Based on income
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Claims process
Employee absence
Employer notice
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Claims process
Claim can be reported by anyone
File notice of injury
Employee absence
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Claims process
3
2Conduct an incident investigation
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Reporting the claim
3
2
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Claims process
3
2 Acknowledgment form
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3
2
DWC 1
Employer
Insurance carrier
Medical provider
Claims process
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Claims investigation process
3
2
Obtain facts
Adjuster contact
Obtain statements
Determine compensibility
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Why timeliness matters
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Investigation
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Controlling costs
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Employee morale/recovery
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Compensable?
Clumsy?
Compensability
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Legal
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Benefits of timely claims filing
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Cost savings
15 -20% report within
3 days
Increase 3 % each day
Increase 18% on average 2 weeks later
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Deficiencies in safety
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Witness statements
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Recognize fraud
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Provide quality care
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Earlier return to work
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Implement injury management
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Avoid indemnity cases
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Return to work
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Return injured employees to productive work
Accommodate their physical limitations
Keep them engaged with their team
Limit claim costs
A program designed to:
What is return to work?
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Keeps employees connected to work
Why does it work?
Prevents malingering
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Who does it benefit?
Retains some advantages over pre-injury wages
Remains connected to the workforce
Tangible evidence of job security
Faster recovery time
Employee
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Who does it benefit?
Lower claim cost
Production from injured employee
Reduced opportunity for fraud
Lower chance of injury contagion
Employer
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What should employers do?
After an injury
Send documents to the doctor
Discuss RTW opportunities
Make RTW offer
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Responsibilities
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Employer responsibility
Apply forvariances
Accident investigation
Complete First Report of Injury
Arrange prompt medical treatment
Report wages
Report change in work status
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Employer responsibility
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Employee responsibilities
Apply forvariances
Reporting incidents
Using network physician
Return to work
Communicate
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Texas Mutual responsibilities
Apply forvariances
Conduct investigation
Approve or deny claim
Provide benefits if eligible
Provide medical benefits if eligible
Assist with return to work
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Learn more
Apply forvariances
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Commonly asked questions
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Questions
How do you decide how much to pay an injured worker?
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Questions
Will filing a claim affect my
premium?
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Questions
If I am injured on the job, can
I go to any doctor?
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Questions
Are you going to pay for my
medical treatment?
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Questions
Am I going to be paid for being off of work?
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Summary
How to file a claim Roles
Why should I file a claim
on time?
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Summary
How to file a claim Roles
Why should I file a claim
on time?
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Summary
How to file a claim Roles
Why should I file a claim
on time?
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Thank You