Category Archives: Workers Compensation

Workers Compensation Insurance PA

Think of Workers Compensation Insurance as an Employee Benefit

Although your business is required to carry workers compensation insurance in PA, most employees have no idea how much money is paid toward this benefit. The more you have to spend to carry this insurance, the less money your company has to put toward other employee’s compensations. Inform your employees about your insurance costs and teach them to put safety first to reduce your expenses.

Hold regular safety meetings to train employees to be safe on the job. A quarterly video or program that lasts around 30 minutes reminds your staff to put safety first. Your insurance company has resources available so you don’t have to spend your valuable time finding the program.

Make sure your employees are using safe equipment. Lead by example. If everyone is supposed to wear safety glasses when they are in a certain area, make sure that you always do when you go there. It may be an inconvenience, but someone has to set the standard. Your employees follow your example. Consider making one person responsible for coordinating safety efforts within the company and giving them authority to make necessary changes.

Reward your employees when the premiums on your workers compensation insurance in PA are reduced. When they go a year without an accident, show them that you appreciate their diligence and hard work to remain safe on the job. Show them it benefits them to take care of your business.


photo credit: Balboa Park Online Collaborative cc
Instituting a Culture of Safety and PA Workers Compensation Insurance

Instituting a Culture of Safety and PA Workers Compensation Insurance

It’s a well-known fact that employers who emphasize safety and make safety a top priority usually have better success when it comes to reducing injuries in the workplace. This will also help greatly when it comes to reducing the cost for PA workers compensation insurance. One of the ways employers can help to obtain the assistance of their workers in accomplishing this is by instituting a program whereby employees are rewarded for keeping the company injury free.


For example, the employer can sponsor a monthly lunch for employees when no injuries occur during that period of time. In a years time the company may find that they have achieved quite a high percent of success rating, and supervisors can also be rewarded for following through, for example, by holding regular safety meetings.


Most supervisors are well aware that it could cost the company money whenever someone on the team becomes injured. But the supervisor may not know exactly how to go about preventing even some common injuries. Helping him or her to understand why and how the employer is impacted financially (as well as the reduction to the workforce) and this understanding will usually help to yield the desired results.


Make sure employees are fit for duty


Companies having one or more positions that are very physically demanding have an arduous task ahead of them. Arranging for a “fitness for duty” physical with an occupational medical provider can greatly benefit this situation. By sharing the job description with the clinic and describing the physical components of the job, the clinic can test the employee to ensure that he or she is physically able to do the job.


This assurance can yield some very positive results and may even prevent future injuries. Also, for an employee simultaneously taking Family and Medical Leave Act (FMLA) leave for his or her own serious health condition, an employer may require that a fitness-for-duty certification cover the employee’s ability to perform the essential functions of the job. However, any requirement that an employee obtain a fitness-for-duty certification must be clearly explained to the employee at the time the employee requests the FMLA leave and should be set forth in the employer’s written policy.


Having adequate amounts of PA workers compensation insurance and a comprehensive, well-managed workers’ compensation program can do more than simply save an organization financial woes; it can help keep employees safer and more engaged, and the business more productive.


photo credit: pennstatenews cc
Happy Workers

New York State Workers Compensation Provides both Peace of Mind and Relief

Businesses operating in the New York area have great concerns with employees who are injured or become ill on the job. After all, injured workers are often looked upon as part of the family and their pain is a sign that perhaps more must be done for the safety and well being of all employees. And, if they fail to provide coverage, which is required by the New York State Workers’ Compensation Law, they can face a charge of a misdemeanor, which may carry sanctions imposed by the Workers’ Compensation Board (WCB).


This coverage provides much needed benefits, and these benefits replace the income that is lost when someone is unable to work. It helps individuals heal as completely and as quickly as possible. Employers should be able to supply the forms needed to file a claim when one arises, and also see to it that the worker is properly treated and that, when possible, provide them with a job once cleared by a physician to go back to work.


Terms and conditions


To be covered by compensation laws, any injury-causing incident must fall into the following categories:


  • Individual must work for a company and in a capacity that is mandated to have workers’ compensation coverage under New York law


  • The injury, illness, or disability suffered must occur while performing the duties involved in the capacity of employment


  • Employer must receive a written notice of the incident that caused the injury or illness within 30 days of when it happened, and


  • A medical report states that the injury, disability, or illness was caused by an on-the-job accident or condition


In some cases employers and their insurance providers may dispute incidents that appear to qualify for compensation, and rightly so, due to the number of false claims made annually, which only adds to the surging costs for insurance. This is why clear evidence, and the support of medical professionals are needed to prove that the injured party deserves compensation for as long as it is needed.


Injuries affect everyone, and a New York state workers compensation policy will help the process of healing and ensure that everyone at work will be provided with benefits when an injury occurs.


photo credit: iolanda fresnillo cc
At an auto dealership, employees face a number of risks derived from working with fast vehicles and large pieces.

Auto Dealer Workers Comp and Your Employees

Every employer wants a safe workplace, but unfortunately accidents can still happen—and they often do. At an auto dealership, employees face a number of risks derived from working with fast vehicles and large pieces. This is one reason why it’s important to have worker’s compensation; owners of dealerships should keep in mind that there are several benefits to auto dealer worker’s comp.

Protecting Companies

First and foremost, workers’ compensation helps to protect employees from being injured in the first place. Good safety practices and risk management can often be used to keep premiums low, which not only saves money but protects employees. In addition, knowing that they will be compensated if disaster strikes can help raise employees’ morale and job satisfaction. This helps to maintain a company’s stability and productivity. Finally, in many states companies are legally obligated to provide workers compensation.

Protecting Employees

Not only is auto dealer worker’s comp good for the business, but it’s good for the individuals. A worker that’s injured on the job doesn’t just have to worry about the physical injury, but also potential lost wages or high medical fees. Workers compensation helps to protect them financially, which makes them more likely to return to the company after they have recovered.

There are a number of places to find auto dealer worker’s comp, such as insurance brokers and managing general underwriters. With their help, you can keep your workers safe and your company stable.


photo credit: aldenjewell cc
Owners and workers at most senior living facilities can work towards reducing workers’ compensation costs and this can make a critical difference, especially because not only can such claims require large medical bills, they can also impact the workforce.

Caregiver Injuries and Assisted Living Workers Compensation

It is an unfortunate fact that injuries to healthcare workers constitute one of the costliest risks for the healthcare industry. Although the severity of the average assisted living worker’s compensation claim does not equal that of most professional liability claims, the total annual cost often exceeds annual aggregate liability costs for the majority of healthcare organizations.

Owners and workers at most senior living facilities can work towards reducing workers’ compensation costs and this can make a critical difference, especially because not only can such claims require large medical bills, they can also impact the workforce. Implementing more safety training is one way to help your organization reduce these costs, as well as working with your clinical staff to prevent claims from occurring, and managing the claims that do occur will help to promote faster return to work advantages for employee and employer alike.

Designing an improved risk profile to achieve better results in the insurance marketplace is another sound risk management solution. This can result in, not only a lower total cost of risk, but also a safer work environment, a more productive workforce and the ability to make better risk decisions.

Examining your current risk profile

Start the process by getting an understanding of your healthcare organization’s business, current risk profile and risk appetite. After analyzing past losses you may then be able to determine which risk management techniques will be most effective in controlling claims. For example, the mere presence of surgical and medical instruments, bio-hazardous materials and medical waste creates risks. The storing and disposing of such items can only improve the health standards of the facility.

Senior living facilities may or may not face the same medical risks as hospitals do with hazards that include infectious diseases, and airborne and blood-borne pathogens, but, in addition to numerous residential risks, such as slips and falls, and injuries from severe back strains, assisted living workers compensation insurance will always be a required coverage.


photo credit: Rosie O’Beirne cc