If you are an insurance carrier that provides workers compensation policies to your clients, you are likely aware of the complexities it entails. Offering the right level of coverage to properly serve all involved parties can be likened to a juggling act. From the employer’s point of view, issues such as controlling the costs involved with a worker injury while ensuring that production does not suffer are paramount. For the injured worker, having it is having a safety net while trying to get healthy enough to get back to work that is probably most important. Workers compensation brokers that have enough experience to consider both the employer’s needs and those of the employees can help carriers provide the best possible policies to their customers.
Just providing money to pay for hospital and doctor bills is usually not adequate. For the employer and injured employee to both benefit, workers compensation brokers have to provide policies that will help manage the care that the worker receives. The process of getting an injured employee back to work can be a long one. Everyday that a staff member is off from work hurts the employer as well. Training a replacement can be costly and cause production to dip. It is usually in everyone’s best interest to provide a program of healthcare and rehabilitation designed to get the worker who is hurt on the job back to work as soon as possible.