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Workers’ compensation can be one of those areas of running a business that only gets attention when something goes wrong. But having the right processes in place before an injury happens can make a big difference.
In this episode of the Accel Advantage podcast, Corey Rekers sits down with Ashley Buck, Accel’s Director of Claims and Risk Management, to break down what business owners should know about managing workers’ compensation claims.
They discuss how to prepare employees for workplace injuries, when to use urgent care vs. the emergency room, the difference between medical-only and indemnity claims, and why having a return-to-work or light-duty program can benefit both employers and employees. Corey and Ashley also talk about experience modification factors, why open claims and reserves matter, how workers’ compensation claims can affect contractors working with larger GCs, when employers need to involve OSHA, and how resources like nurse triage can help simplify the claims process.
Whether you’re a business owner, HR leader, manager or simply responsible for workplace safety, this episode offers practical reminders for managing workers’ compensation more effectively.
In this episode:
• Preparing employees for workplace injuries
• Medical-only vs. indemnity workers’ compensation claims
• Return-to-work and light-duty programs
• Experience modification factors and open claims
• Managing reserves and closing claims
• Workers’ compensation and contractor requirements
• OSHA reporting requirements
• Nurse triage and carrier resources
• Building a stronger relationship with your insurance carrier
Learn more about The Accel Group at acceladvantage.com.
Subscribe to the Accel Advantage podcast for more conversations about the decisions business owners face every day around risk, money and growth.
Chapters
00:00 Intro: Workers’ Compensation for Business Owners
00:43 Ashley Buck’s Career in Claims
01:52 Preparing Employees for Workplace Injuries
03:10 When to Use Urgent Care vs. the ER
04:21 Medical-Only vs. Indemnity Claims
05:52 Building a Return-to-Work Program
06:49 How Return-to-Work Can Help Employers
07:58 Experience Mods, Reserves & Open Claims
09:17 Workers’ Compensation & Contractor Requirements
10:17 When Employers Need to Report to OSHA
11:58 Building a Strong Relationship With Your Carrier
12:59 How Nurse Triage Can Simplify Claims
13:22 Final Takeaways
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Podcast
