Workers
Compensation

Protecting workers injuries on the job

Workers
Compensation

Protecting workers injuries on the job

Understanding workers compensation

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the medical expenses related to the treatment and rehabilitation.

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How can we maintain workers compensation costs?

Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee gets injured on the job are always the most important.

You can help protect your company and save money by taking specific steps in the 48 hours after an employee reports an injury. We help our clients to understand and deploy appropriate solutions across your organization.

Frequently Asked Questions

What are the reporting procedures for injuries and illnesses?

If employees are injured, they should notify you immediately to file a report. This will initiate the process for receiving workers’ compensation benefits.

How are employees reimbursed?

Lost compensation is payable during the time period in which employees are authorized by their treating physicians. Benefits are paid weekly at a state-specific percentage rate of their average weekly wage, up to a maximum dollar amount. There is also a state-specified waiting period before benefits are available.

What is an independent medical exam (IME)?

An IME is an exam by a medical professional other than the physician who first examined an injured or ill employee. As the employer—and insurance carriers—you can request an IME to confirm an original diagnosis and treatment plan.

What happens if employees do not comply with recommended treatments?

Non-compliance with recommended medical treatments, therapy or return-to-work plans may jeopardize workers’ compensation benefits.

We offer many other insurance products

Acumen Solutions Group offers additional types of insurance products to meet the needs of your business. We understand the insurance needs of specialized industries and build our programs to fit your individual situation.

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Related Products

In addition to this protection, you may consider building a more comprehensive program including other insurance products for your business and assets.