REPORTING OF INJURIES BY THE EMPLOYER
Part One
It is incumbent upon every employer to promptly report all injuries. Every state mandates this be done. Employers should not decide if an injury is reportable or not. Just report them to avoid legal pitfalls and the related problems that not reporting them will cause for you.
Cost containment in the end depends on prompt reporting as every state has built in cost increases for reporting delays – and sadly ONLY you the employer are penalized.
A claim' cost rises by 40% if it takes more than 3 days to report the injury.
Legal control of a claim is typically waived if it takes 7 days or more to report the injury or what is deemed to be an injury as defined by the employee, not as defined by you.
Per State Laws – Only what the employee says is an injury actually matters. What you think or say as the employer is not relevant to the state or the Work Comp Board.
What does – Report all injuries actually mean to you – the employer
It should mean every employee injury or incident that is not a First Aid or band aid and back to work type of injury (i.e. cut) should be reported (including marking on the FROI if needed "incident only") and especially every soft–tissue injury, which can go from Tylenol to surgery in the blink of an eye.
First Aid injuries are not reported but they should be logged on paper by name, type of injury, needed supplies, date and time. A written record can be important down the road.
Reporting all injuries also means for Refusal of Doctors Care situations. Why? First, it is still an injury; second, the employee has one year from the date of as said injury to receive full treatment for the injury plus you will be fully vaccinated regarding the 7–day reporting requirement noted above. Always send the FROI and the Refusal of Doctors Care form as soon as possible. The supporting Investigation Reports can follow if necessary as understandable delays can occur.
Reporting all injuries should also mean for any vehicle accident – be it to or from work (let the adjuster decide if valid), during the work day or, if deemed as related to work. Here an FROI should be submitted regardless of the stated injuries. In today' litigious society there is a high probability the employee will find a trial lawyer no matter the current extent of the injuries. Yes, economic greed is alive and well especially when it comes time to buying a new "used" vehicle. Moreover, failure to report via an FROI in MVA situations can lead to serious Work Comp problems since auto–liability carriers will always avoid bodily injury payments asserting the individual (your employee) was injured in the course of employment thus making the costs applicable to Work Comp (YOU). Work Comp always pays medical expenses out of the gate including emergency care. However the carrier can only consider subrogation against the liability carrier of the party–at–fault if they know about the accident, which includes submitting a police report as soon as you can. Yes, it takes time to "maybe" clear up your Work Comp charge–back with NCCI on a vehicle accident but unless you report it promptly the time statute will expire and you will remain permanently responsible leaving you to watch your EXP MOD rise year after year. On this issue – do not decide on your own…just report all MVA situations.