Planning ahead for work injuries

Here’s what you can do to be ready if one of your employees gets hurt at work:

  • Identify who will handle work injuries.
    Choose someone who will make sure injuries are reported to us, and stay in contact with injured employees, our claims staff and employees’ physicians.
  • Keep the SFM Work Injury Hotline phone number visible around your office.
    Find posters, flyers, stickers and more in the Resource Catalog.
  • Establish a procedure for injury reporting and train your supervisors.
    Have our quick reference cards or your own guides to the injury reporting process around the workplace for supervisors’ reference.

    Note: If your organization operates outside of normal business hours, be sure to mention any change in procedure for injuries during nights and weekends.

  • Assemble packets for injured employees to take along to the doctor.
    In each packet, include a Work Ability/Return-to-Work form , an insurance ID card with our billing instructions and address, and a letter telling the physician you offer light-duty work.
  • Create a list of potential light-duty jobs.
    Ask your managers, “What would you do if you had extra help?” and use their feedback to create the list. Find a list of common transitional, light-duty jobs broken down by industry in the resource catalog.
  • Establish a return-to-work program.
    Make sure your employee handbook includes a policy that communicates your commitment to bringing injured workers back as soon as they’re medically able.
    Learn more about why and how to create a return-to-work program
  • Notify us of your preferred clinic.
    Give your claims representative the name of your preferred clinic, or call us at (800) 937-1181. That way, the clinic will be mentioned as an option if your employees are referred for treatment when calling the SFM Work Injury Hotline.
    Learn more about why employers should get to know medical providers

Finding out about work injuries

When you or a supervisor become aware of a work injury, you become responsible for reporting it.

In most states, “employer notice” of an injury can include:

  • Being told verbally or in writing
  • Seeing an accident occur
  • Suspecting that an injury occurred

Once you learn of an injury, the clock starts ticking toward state deadlines to either pay or deny workers’ comp benefits. You can help your employee get the right care and avoid fines by reporting all injuries as soon as you learn of them, even if they seem minor.