Most businesses are required to have workers’ compensation insurance if they employ at least one person. These policies help cover lost wages, medical bills, and other expenses in the event of a job-related injury. Employers need to understand how this process works.
Employee Injury
When an employee is injured on the job, they must complete an injury report immediately. This is the first step in filing a claim. Afterward, employers typically send the employee to a hospital for medical evaluation and a drug or alcohol test. Insurance companies often deny claims if the employee was intoxicated at the time of the accident, as such incidents are generally considered the employee’s fault.
Provide Claims Forms
Employers must provide the necessary forms for employees to file a claim, even if they believe the claim should be denied. Filing the paperwork promptly is usually required by the insurance policy. Employers should also investigate the cause of the accident, such as reviewing security footage and obtaining the results of the drug or alcohol test.
Submit Claims
Once the forms are completed, submit them to your insurance agency in Coppell, TX. If you suspect the accident was the employee’s fault, for example, if they were not following safety protocols or were injured during horseplay, notify your insurance company. Agencies like The Select Insurance Agency can assist you throughout the process.
Claims Process
After submission, the insurance company will review the workers’ compensation claim and decide whether to approve or deny it. If approved, the insurance company will cover medical expenses and a portion of lost wages, reducing the financial burden on the employer.
An experienced agent at The Select Insurance Agency can guide you through the claims process. Contact us today to learn more. We proudly serve the Coppell, TX, area.
