Once an employee encounters an injury, it’s brings about a kind of sequential events that can have a duration of one or two weeks or a month. But irrespective of how long the duration of the recovery period may be, the very first twenty-four (24) hours after an incident occurs is very important. To effectively respond to an injury, more of the items or action for resolving such an incident should be done within the first 24 hours.
In a study carried out by 1stincidentreporting.com services, team, it was discovered that:
- Claims that were reported after the third week when an injury occurred, led to an average settlement cost with a value that is 18% higher than claims reported early enough (during the first week of occurrence)
- Prolonging the process of resolving such incident to the fourth or fifth week led to about 30% higher costs on claims.
- Claims that weren’t reported after one month from the date of occurrence of an injury were 45% higher.
- With reference to the study, injuries associated with the back were sensitive to prolonged reporting. This means that, delaying for a maximum of one week before reporting the occurrence of a back injury normally led to a 40% increase in claim cost.
For the fact that your insurance destiny is being driven by claims, managing injury incidents properly can help enhance the general risk management program of your organization. The following are essential steps to take immediately an injury incident occurs:
Step 1: Have an active plan and share it.
In order to educate your staffs on workplace injuries. Your organization should according publish and post a 24-hour written response plan for supervisors and employees to adhere to. You definitely would want to have a response plan before an injury occurs. Let the supervisors and employees train on this response plan so as to build their confidence.
Step 2: Let the injury be examined.
Assessing the injury immediately and facilitating the personal and appropriate treatment is very necessary. Determine the injury severity and type. Typically, a staff that has been trained in first aid can easily assess the injury severity, and the right action to take.
Step 3: Visit the doctor and avoid unnecessary delay.
In case of injuries that result more often in the highest costs for claims, example, strains, sprains, back and neck related injuries, always ensure to have a proper medical care when such injuries occur, which is usually a visit to a doctor or a clinic