State Compensation Insurance Fund
State Fund works hard to keep claims costs down for its policyholders. But businesses can directly impact their workers’ compensation insurance costs by focusing on injury prevention and claims management as follows:
- Match workers’ skills and abilities to their job. Careful hiring practices can reduce the change and subsequent cost of injury.
- Make safety a job priority. It’s less expensive to prevent an accident than to pay for one. State Fund’s loss control staff can help you with safety programs relevant to your business.
- Fix dangerous conditions. When you become aware of a hazard, take corrective measures. Failure to do so could result in a “Serious and Willful Misconduct” suit against you and severe penalties you must pay.
- Train supervisors. Workers’ comp law includes supervisors in its definition of “employer.” Make sure supervisors and managers know their responsibilities.
- Report employee injuries. As soon as you’re aware of an injury, notify State Fund’s 24-hour Claims Reporting Center at (888) 222-3211 to complete the Employer’s Report of Occupational Injury or Illness (form 3067).
- Provide claim forms. You must provide your employee with a Workers’ Compensation Claim Form (form 3301/DWCI) within one working day of learning of an injury. When the employee returns the completed form to you to sign and date, immediately forward the original to State Fund. NOTE: Signing the Employer’s Report and the Claim Form does not constitute acceptance of a claim.
- Exercise medical control. Refer your injured worker to a State Fund Medical Provider Network (MPN) physician at www.scif.com, “MEDfinder.” And, post the name, address, and phone number of your medical provider so employees know where to go in case of an injury. If an employee has previously notified you in writing of his/her personal physician, the employee has the right to be seen by that physician.
- Communicate with employees. Show workers you care about their well-being and stay in touch with injured workers throughout their recuperation period.
- Consider a Return-To-work program. A Return-To-Work (RTW) program can help bring injured employees safely back to work as early as possible. State Fund’s RTW consultants can help you develop a program for your business.
Finally, maintain records. Personnel files can be of great assistance in handling some cases, especially with fighting disputed claims.