Workers compensation insurance can allow employees hurt on the job to obtain the medical care they need. This is a type of business insurance secured by the business owner and put in place to minimize any financial obligation from the employer for covered claims. Yet, filing a workers compensation claim and managing the process can seem overwhelming. Everyone involved in the process must maintain communication to ensure no mistakes or oversights occur. One of the biggest questions many business owners have is knowing when and how to allow an employee to return to work.
What Do You Have to Do to Come Back to Work?
Most businesses want to see their employees return as soon as possible to their normal duties or even modified duties as this can help reduce the overall workers compensation insurance claim and its costs. However, employees who miss work and file such a claim must obtain a release to work from the doctor treating their condition. This release will signal to the employer the employee is healthy enough to go back to work. It should be a signed document given to the employer by the employee.
It is also important for employees to return to work as soon as they are given this type of permission to do so. They are potentially not covered for missing days beyond that point unless it falls outside of their normal work schedule. If an employee is given a work release and does not return to work, he or she can possibly not be financially compensated for those additional days lost.
More so, communication throughout the process is very important. Employees should maintain open communications with the employer about the state of their condition (they do not have to disclose details of it). They should let employers know when they can return to work and any limitations they have as a result of the instance.
Work closely with your workers compensation insurance claims agent when going through this process. They need to be kept in the loop. As a key component of the business insurance you have, workers compensation coverage should be treated as a valuable financial tool that your business should not go without.
With business insurance like workers compensation insurance, you can safeguard the risks your business faces.
Let us help protect your staff. Call Knight-Dik Insurance Agency, Inc. at (508) 753-6353 for more information on Worcester workers compensation insurance.