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Employee Treatment Silent X Factor Great Risk Management


Employee Treatment By Employer Silent and Critical Factor

The following advice on employee treatment by the employer is from an old manual I began in the 1980s and added to over the years.  I used to sell it as an income stream.   Employee treatment is not necessarily medical treatment. 

Employee Treatment Greeting Card
Public License 1949 

I added this area after the original three, as it has become a critical area in saving on WC.  With the legal environment in place as it is today in most states, the treatment of the employee post-injury has taken on more of a monetary component.

Only 3% of claims start as fraudulent, but over 30% have some element of fraud by the conclusion of the claim.  Poor treatment by the employer is the usual cause for an employee to seek legal help.

E-cards are a wonderful and free or almost free way to send the employee a card after their injury.  Most people now have some type of email address.  If not, then a card in the mail will usually help the employee stay out of the legal system. 

Calling the employee after each Dr. appointment lets the employee know you care and is a great way to keep up with the status of a claim.

The injured employee remains an employee for your organization.    The days of firing an employee when they are injured on the job are long gone.  

The employer is the eyes and the ears (and unfortunately the complaint bureau) in the field.  Having great communications with the adjuster including any of an injured employee’s concerns avoids unnecessary litigation later in the claim.

Silent X-Factor in Workers Comp Risk Management

Other than rehab nurses, this Key is rarely discussed as a Risk Management technique.   If the injured employee and employer were not very compatible before a workers comp claim, the feelings are intensified ten-fold.   

WCRI studied the return to work paradigms by injured employees after the claim has resolved post-return to work.   Injured employees mentioned the trust of their employer as the main factor on how they felt about their Workers Comp claim. 

We all know that healthy communication builds trust.    I am not saying that employers should roll out the red carpet for an injured employee.  

The main way to treat injured employees post-accident is the same as what any employee would expect of their employer.    Common sense should rule with the subject of employee treatment. 


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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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