How to Handle Claims
1. Accident Reporting
- Develop a clear and strong policy statement on the importance of promptly reporting all accidents and injuries to supervisors, management and to AMFED.
- Make it clear that filing false claims is grounds for discharge
- Include statement in work rules and procedures manuals, and make sure all employees know and understand the policy and rules
- The First Report of Injury (see attached) needs to be faxed in to 601-427-1590 within 24 hours of the injury.
2. Medical Treatment
- Administer first aid as needed
- Authorize and arrange medical treatment for the employee
- Avoid unnecessary tips to the emergency room when a trip to the doctor would suffice.
3. Investigate the Accident
- Immediately investigate the circumstances surrounding the injury, including witness reports
- If possible, have the injured employee record the cause and nature of the accident in his/her own words. Have him/her sign and date the document
4. Investigate Third Party Liability
- If a 3rd party's negligence appears to the have been the cause of the accident, obtain all information possible on the 3rd party.
5. Value the Employee
- Stay in touch with your injured employee. Continue to reinforce company's concern. Encourage employees to keep medical appointments and to be available when you call.
6. Return to Work Options
- The employer should periodically check with the medical providers to discuss return to work options. When an employee returns to work, claims costs are reduced.
7. Maintain a Safe Work Place
- Make the main purpose of your safety program the prevention of injuries to your workers by removing hazards, providing proper training and enforcing safe work habits.