Your Five-Step Response
The five-step response is SFM's step-by-step method of handling work injuries. Follow these steps, and you'll make an impact on your bottom line, avoid state penalties, and save yourself some headaches.
1. |
Be aware of your duty to inquire
If you see, hear about or suspect a work injury, ask questions to find out where, when and how the injury occurred. Document your conversation. If the employee is not injured, or it's clear the injury isn't work-related, you have fulfilled your obligation. Always err on the side of reporting an injury if you are unsure, or call your SFM claim representative to discuss. |
2. |
Get the proper care
In an emergency, call 911. In a non-emergency, suggest your employee go to your established medical provider. |
3. |
Gather information
Find the information necessary to report the injury accurately and completely. Talk to the injured employee and any witnesses. Get the injured employee's personnel file.
If the injury is serious, call your SFM claims representative right away so photos can be taken of the accident site. Save any broken parts in case the accident could be a result of faulty equipment.
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4. |
Fill out the First Report of Injury
Be as accurate and complete as possible when you fill out a First Report of Injury. If you get additional information later, forward it to your SFM claims representative immediately.
Make sure dates are accurate. A missing or wrong date can cause hassles or penalties later.
If you have sensitive or questionable information, don't write on the First Report because injured employees in Minnesota receive a copy of it. Call your SFM claims representative to report any sensitive information.
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5. |
Report to SFM within 24 hours
Fatal or catastrophic injuries must be reported to SFM immediately. All injuries should be reported to SFM within 24 hours.
You will receive a letter from SFM confirming receipt of your First Report of Injury, which will include the claim number and contact information for your claims representative.
If the injury involves the employee losing time from work, your claims representative will call you to discuss the claim within 48 hours. If you have not received a phone call or letter within a week, call SFM.
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Related SFM resources
These resources, plus more on other topics, are available in SFM's Resource Catalog. |
