Risk & Business Magazine Spectrum Insurance Spring 2017 | Page 27
WORKERS’ COMPENSATION
Eivind has 36 years of commercial property & casualty and risk management experience.
During his career, he has gained extensive knowledge in the insurance field as a multi-
line underwriter, commercial lines marketer and account executive. He is currently
a Certified Insurance Counselor, an Accredited Advisor in Insurance and a Certified
WorkComp Advisor. He can be reached at 715.858.5025 or [email protected]
BY: EIVIND OLAND, CIC,
AAI, WORKERS’ COMPENSATION
ADVISOR, SPECTRUM INSURANCE
Report of Injury or Occupational
Disease form as required by your
state workers’ compensation law. The
incident should also be reported to
your HR department, the employee’s
direct supervisor, and the medical
provider who saw or treated the
employee.
• Report the incident objectively—do
not skew information gathered
from the scene or from witnesses in
any way, even if your preliminary
instincts tell you the claim is not
legitimate.
• Contact a telephonic triage source
for critical assistance, when
available. Spectrum Insurance Group
offers this valuable service to its
clients.
you become familiar with the workers’
compensation laws in your state(s)
of operation. Your state’s workers’
compensation board will help you stay
in compliance with the legal timelines in
effect in your state, which will ultimately
help save your company money. +
INFORM THE EMPLOYEE ABOUT
COMPANY POLICIES ON RETURNING
TO WORK
•
Not only is it crucial to review work
restrictions and leave procedures, but
it is also imperative that you inform
the employee about the possibility of
transitional-duty jobs that would suit
his or her needs during the injury
recovery period.
SUBMIT THE WORKERS’
COMPENSATION CLAIM
•
This is also an important step to
complete quickly because your
insurance provider could give you
valuable information about medical
care, make timely payments, and
begin its own investigation into the
incident as necessary.
In addition to these points, make sure
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