Ways to Reduce WC Costs

Ways to Reduce Workers’ Compensation Costs

Your very first step to reduce your workers’ compensation costs is to prevent workplace injuries. All too often, safety takes a backseat to getting the job done. It is one of those issues that people don’t think about until after an accident has happened. It’s vital that you impress upon your employees the importance of safety at all times. If you haven’t done so already, establish safety procedures for your workers. Take it a step further and make it routine to conduct safety inspections every month. The old adage “It’s better to be safe than sorry” definitely applies. If you need a safety consultation, contact us, and we can direct a safety expert to you.

Did you know OSHA provides free safety consultations for small employers? They also offer a resource center for employers to borrow CD’s, videos and DVD’s for safety issues. Visit OSHA’s website at www.osha.gov to find out more.

Return to Work Program

In the event that an injury does occur, it’s best to get the injured worker back to work as soon as medically possible. Studies show that it is better for the worker not only physically, but psychologically as well. The longer an employee is out of work, the harder it is for him/her to go back. Boredom, depression and low self-esteem develop into the mindset of being sick and create an emotional impact difficult to recover from. Resuming work activities will actually speed the worker’s recovery. The worker will be part of the workforce again; self-esteem will return as he resumes drawing the salary he needs to support himself and his family. As a result, this will reduce the medical, disability and lost-time costs for the claim. Furthermore, this decreases the chance of fraudulent claims and attorney involvement.

Therefore, it’s important to maintain a proactive return to work program. The employee, employer, and healthcare provider must all work together in order to achieve a successful program. Furthermore, a supportive supervisor is a key factor in an effective program. For more information about return to work, visit Texas Department of Insurance’s website at http://www.tdi.state.tx.us/wc/rtw/index.html.

Healthcare Management

Cutting workers’ compensation costs benefits both you and Stellar Staffing. You do your part to keep costs down by adapting safety procedures and a return to work program. We do our part by ensuring that all claims are efficiently administered. There are several options available to make sure that injured workers are receiving the excellent benefits and care they deserve, all while containing costs.

To mention a few, Stellar Staffing employs a cost containment company that provides us with medical case management as well as medical bill review. Medical case managers help to manage costs by reviewing medical records and communicating with medical providers to determine medical status and appropriate health care. In addition, case managers can attend appointments to obtain work status and determine maximum medical improvement.

Medical bill review is one of the best ways to save workers’ compensation costs. Bills are audited to apply state fee guidelines, reviewed for errors, and checked for duplicate charges. Due to the cost containment company, we have been able to reduce our medical costs drastically. Finally, and most importantly, we maintain active communication with injured employees and the treating doctors. Treating doctors have an important role, since they are responsible for the claimant’s care, return to work, and to help determine claim closure. Stellar Staffing will screen all treating doctors to verify that they are approved by the Division of Workers’ Compensation to provide treatment.

These are just a few ways that Stellar Staffing works for you to help reduce costs, while properly managing workers’ compensation claims. If you have any questions, or would like to discuss health care management further, please contact the claims department at (409) 837-2738.