ICW Group mySafetyNews.com
Printed from www.mysafetynews.com - Your Risk Management Resource
Home > All categories, claims handling, General, Safety programs > 10 Tips for Preventing Questionable Workers’ Compensation Claims

Risk management blog

10 Tips for Preventing Questionable Workers’ Compensation Claims

- November 19, 2012 by Terio Duran (View all posts by Terio)

One of the most stressful moments a business owner can experience is receiving a notification letter from an attorney stating that an employee is filing a workers’ compensation claim.  This becomes even more frustrating when you have that gut feeling of suspicion that the claim is questionable.  

How do you prevent these types of claims?  What can you do to stop them? 

While there isn’t any single way to protect businesses against these types of claims, there are best practices that you can implement to make it much more difficult for someone to file a questionable workers’ compensation claim. 

The following best practices can help deter questionable claims and establish a zero tolerance culture against workers’ compensation fraud and abuse.  

  1.  Conduct documented exit interviews that include a question on whether the exiting employee sustained any work related injuries while working for your company. 
  2.  Implement a clear and concise written policy against the filing of fraudulent workers’ compensation claims. 
  3.  Implement a written policy that requires employees to immediately report all work related injuries no matter how minor.  Include this written policy in your new hire packet and review it annually with all existing employees. 
  4.   Provide employees with information and materials on the availability of Short Term Disability benefits through EDD for disabling injuries that happen away from work.   
  5.  Require the employee that has sustained a work related injury to write how, when and where they were injured.  Make sure the employee states what part of their body was injured.  Additionally, require supervisors to complete an accident investigation report that states how, when and where the employee was injured. 
  6.  Place fraud awareness posters on safety bulletin boards or in other conspicuous locations where employees can easily see them.  
  7. Check references for applicants you are considering to hire.  References will provide you with insight on the applicant’s background and credibility. 
  8.  Verify employment history and ask the applicant to explain any gaps in employment.  
  9. When possible provide modified duty and  maintain constant communication with the injured worker.  Remember, the longer the injured worker stays at home, the more likely they are to be influenced by attorney commercials and radio ads.
  10. Conduct annual fraud awareness training that outlines your company’s worker’s compensation fraud policy and commitment. 

 If you have any other suggestions, I’d love to share them with our readers.