Workers Comp Claims – Everything Established in 48 Hours
This is why immediate notice of the claim being filed with your Work Comp carrier is so important. The three-point contact by the adjuster must be made very quickly. The injured employee should be contacted within 48 hours after reporting the accident if lost time from work is indicated.
The employee already has filed their claim and has sought medical treatment in the first 48 hours. There is already a treating physician on the file. Until the adjuster has investigated the claim, the control of the claim is with the employee. The current and future cost of the claim has been set. There is nothing that can be done to lessen the major cost factors of a claim after 48 hours.
How this all occurs will heavily influence the amount of reserves/total incurred (see previous post on the Total Incurred) that the adjuster establishes on the file.
Next Up – The Four Factors that are Critical at the Time of the Initial Workers Comp Claim
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