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Controlling Costs in Worker's Comp
Almost every business owner loathes worker's compensation insurance — costs are high and can go up significantly in the event of a claim or multiple claims. Also, worker's comp can be a cost center that is heavily impacted by fraud and abuse. If employers can control the number and severity of claims and lower worker's comp costs, they can put the money to better use.
One of the challenges with a worker's comp incident is that time is usually not on the business owner's side. If an employee has a non-emergency workplace injury and follows a normal progression of informing their supervisor and leaving work to seek medical attention, the costs rapidly escalate. Remember, time is not on the employer's friend, and during this process the employee may conclude that his or her injury is worse than it is. This conclusion may be real (caused by a lag in treatment) or perceived. One of the keys to lowering the cost of worker's comp incidents is to significantly shorten the time window from the event to the first conversation with a medical professional.
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