Workers Compensation Recovery at Work Program

Workers Compensation Recovery at Work Program

September 14, 2020

Written by Bill Butler CIC, CISR, CWCA

Certified Work Comp Advisor

RECOVERY-AT-WORK

The primary goal of a good recovery-at-work program is to get injured workers back to his or her original job as soon as possible and, in doing so, increase control over medical and legal expenditures. The program should also help contain future costs for vocational rehabilitation and disability support.

Here are some building blocks for an aggressive Recovery-at-Work program.

Identifying Light Duty Work

An appropriate work assignment contributes to the employee’s recovery by keeping the employee productive, socially involved, and active. Work becomes part of their medical treatment. Temporary alternative work assignments can be a bridge back to regular employment. Temporary modifications to an employee’s regular jobs such as schedule changes, reduced hours, or sharing parts of work with other team members are effective considerations. Alternative work assignments must be productive. Demeaning or “make work” assignments will defeat the purpose and could be seen as punishment.

When identifying possible temporary, light duty jobs, or possible modifications to make existing jobs light duty, solicit ideas from all departments. These jobs should be at the same rate of pay as the original job. Remember, you save money by having the employee come back to work. Full pay is a good incentive.

  • Record job descriptions for light duty jobs and supply them to the treating physicians.
  • Alternate work assignments can also add beneficial cross-training which provides the employer with maximum flexibility in adjusting assignments because of expanding expertise within the team.
  • Ask injured employee what they think could be done for them to be able to continue working.
  • Consider job tasks that need to be done but rarely are because of lack of time or personnel.
  • Investigate possible adjustments to workstation or the way the work is normally done.
  • Consider the injured employee’s past experience and skill in determining possible light duty work.
  • Check appropriate union regulations to make sure there are no restrictions on light duty assignment.
  • Consider involving coworkers in designing alternative work by asking how the injured worker might be able to help them do their job.

Having a return at work program for injured team members is a critical part of your workers compensation insurance program.

Butler Vet Insurance has some simple tools and checklists available to assist with setting up and managing a Recovery at Work Program through our exclusive Veterinarian Comp System.  For more information Contact Us.

 

 

Workers Compensation Payroll Audits

Workers Compensation Premium Audits for Veterinarians

September 4, 2020

Written by Bill Butler CIC, CISR

Certified Work Comp Advisor

Workers Compensation insurance is the one insurance policy that you have the most control over as a Veterinary Practice.  It is also the easiest policy for to have incorrect premiums charged.  In the age of Covid-19 with the fluctuation of practice payrolls preparing for an accurate Workers Compensation audit will assure that you are paying the correct premium.

Below are the 10 Commandments for Workers Compensation Premium Audits.

  1. Thou shalt not be unprepared
  2. Thou shalt not forget to be there to answer questions
  3. Thou shalt not answer any questions that are not asked
  4. Thou shalt not forget to review your policies being audited prior to the auditor arriving or calling
  5. Thou shalt not forget to do a payroll breakdown – by employee classification and job duty
  6. Thou shalt not forget to separate Owner, Officer, Clerical, Outside sales and Drivers payroll; or any other employees that you feel should not be classified into the “Governing” classification
  7. Thou shalt not forget to have Certificates of Insurance for “Subs” on hand
  8. Thou shalt not forget to have the definitions of Payroll, Sales, Subcontractor Costs etc. “On Hand and Reviewed” before the Auditor or arrives or calls
  9. Thou shalt not fail to ask the Auditor to recap the audit findings before they leave or end the call
  10. Thou shalt not forget to request a copy of the audit.

Overpayment of Workers Compensation is most often tied to incorrect, incomplete audits or failure to complete your audit when due.  Preparing for the audit by having all the information needed and verified prior the audit being conducted will greatly increase the accuracy of your audit.  With Covid-19 audits are increasingly being conducted over the phone and email and not on site.  Making sure you have all your information at your fingertips at the time of the audit makes for a smoother process and more accurate audit.

With changes in payrolls due to Covid-19, now more than ever some time invested in preparation for your next Worker Comp premium audit can you save you money in the long run.

Butler Vet Insurance has some simple tools and checklists available to assist with your next audit through our Veterinarian Comp System.  For more information Contact Us.