Aug 03, 2023
How to Avoid a Costly Claim During Harvest SeasonUnderstand what makes a safe workplace and be sure you know how to avoid a costly claim during harvest season.
Even with the most robust of loss prevention strategies, occupational injuries or illnesses are an unfortunate reality. That is why it is important to have an experienced claim professional to help navigate the increasingly complex Workers’ Compensation system.
We understand that claims dollars play a primary factor impacting not just your insurance premiums, but productivity, employee morale, and profitability. Should an accident occur, the next best strategy is to take necessary steps to contain the costs of the loss. Our team is ready to support your organization, leveraging their years of experience, key relationships, and strategic approach to claims management.
Our goal is getting your injured workers the appropriate level of support and care they need to return to work. We advocate for both employer and employee by fostering strong communication and partnership between all parties involved. This ultimately reduces friction points, resulting in more efficient and effective resolutions.
The following steps are taken to support your internal claim management efforts:
First Report of Injury
- Claim filing assistance and Medical Provider Network navigation
- Preliminary incident investigation best practices and protocols
Claim Status & Reserves
- Formal claim status reviews as needed
- Claim oversight of insurance company’s communication, treatment plan, reserving logic, and closures
- Modified duty/return to work strategies
Experience Modification Reconciliation
- Analyze experience modification worksheets against payroll and incurred values for accuracy
- Errors in claim values or coding are submitted for correction and recalculation when appropriate
Tools & Resources
Workers' Compensation Claims Reporting
Most states require an employer to report a workers’ compensation claim directly to their carrier, which can be accessed through our Carrier Contacts page. If your employee has sustained an injury at work, but does not require or desire medical treatment, they should complete a Declination of Medical Treatment form.
If an employee does require medical treatment, you MUST provide access to a medical provider and the DWC-1 Form within one (1) working day of your knowledge of the injury. Please feel free to contact our office at 805-543-6887 for additional assistance.
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