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workers' compensation insurance

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You've got a worker who gets injured while on your property. Quickly: What do you do first?
  1. Be prepared: Call our medical hotline (1-800-383-2763) to get a list of medical providers who are part of our preferred list. We suggest you update the list every 4-6 months.
  2. If an injury occurs: Immediately do one of the following;
  • Provide First Aid if appropriate
  • Arrange transportation to the local emergency room, urgent care facility, or doctor from our preferred medical provider list
  • Call the paramedics for serious injuries

Okay, the immediate issues have been dealt with. Now we shift into gear to address the following:
  1. Find out where, when and how the injury occurred. Don't assume it is (or isn't) work-related.
  2. If more than First Aid (band-aid and/or aspirin) is required, immediately provide a Workers' Compensation Claim form (DWC-1) to the injured worker. He/she should be instructed to fill out and sign the top half of the claim form and return it to you.

    Upon receiving the employee's completed claim form, you must fill out the bottom half and promptly send it to Farmers, returning a copy to the employee.
  3. Contact us immediately! by telephone or fax when an injury occurs. Follow up by faxing or mailing a copy of the first report of injury form the same day.
  4. It's important to find out if there were any witnesses to the injury. List those names, addresses, and phone numbers and send them to us as quickly as possible.
  5. Promptly provide documentation (wage statements, signed forms, etc.) to us when requested.
  6. Sometimes an in-depth investigation is needed. Please plan to make witnesses available to our representative. Your complete cooperation is appreciated.
  7. Any correspondence received from the injured worker (or any attorney potentially involved in the matter) should be immediately sent in to us.
  8. Should the claim be litigated before the State Workers' Compensation Appeals Board, please plan to have all witnesses still employed by your organization available to testify.

Still have questions or unsure of your next move? Call us at 858-487-9200 and we'll walk you through the entire process.

Marie Milliman Insurance. Your Safety Net For Life.
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