Workers' Comp for Employers : How to Cut Claims, Reduce by James Walsh

By James Walsh

Geared toward proprietors and bosses of small companies, this booklet continues to be the best-known identify to aid employers take care of the employee' comp factor. It exhibits the best way to hinder employees' comp difficulties from taking place within the first position, discover fraud and abuse, get injured staff again at the activity, and hold crooked attorneys and medical professionals at bay.

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Additional info for Workers' Comp for Employers : How to Cut Claims, Reduce Premiums, and Stay Out of Trouble (Taking Control Series) (Taking Control Series)

Sample text

Did the injury occur in the course of employment or arise out of conditions of employment? Was the injured employee engaged in dangerous behavior (including horseplay, drunkenness or an act of felony) at the time of the incident? Was the injury intentional or self-inflicted? These questions illustrate issues that become central to the settlement of the claim, not to mention to your management of it. The Employer-Employee Relationship Who is an employer? Who is an employee? This issue is your first line of defense.

Rigid structures tend to reward the injured worker; complex structures oftenthough not alwaysfavor the employer. In most states, when your worker and your insurer can't resolve their differences, the claim goes to state-sanctioned arbitration. The case may go before a single arbitrator (depending on the state, called a judge, referee or arbitrator) or a panel. Common Law Guidelines These proceedings don't follow the strict evidentiary and assumption-of-guilt rules followed by the courts. Their role is to resolve disputes within the common law guidelines of workers' comp.

You control what you do. You must. And you've got to do this little job on your own. So, before you start, shoo them away and shut and lock the door. Then wash up and get some water boiling. Midwifing is messy business. Blood flows. Something wondrous happens. Afterwards, you clean up. Page 7 Chapter 2: The Social Context The idea behind the system Let's step back in this chapter and see how the workers' comp system developed. You will find this important because in grasping the elements of the history of workers' comp, you grasp the idea that underlies the systemand in grasping the idea, you take the first step in controlling the problem that workers' comp has become.

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