When an injury occurs, report the injury to SFM Risk Solutions as soon as possible — ideally, within 24 hours. The preferred methods for SFM Risk Solutions clients to report injuries are online through CompOnline or using your policy number and injury date. If you are unable to report online, you can also report by fax or phone. See full details on reporting injuries.
Returning an injured employee to work as soon as medically possible benefits both the employee and employer. Getting a worker back on the job — even in a limited or light-duty capacity — can reduce the likelihood of litigation and help control work comp claim costs, which affect future premiums. Even if injured employees can’t return to their regular jobs right away, bring them back as soon as possible by providing light-duty/modified-duty tasks. See our Why return to work matters blog post for more information.
Light-duty/transitional work includes tasks that can be provided while the injured employee is on light-duty restrictions. Light-duty options can include pre-injury job functions or different tasks, as long as the duties are within light-duty restrictions. You can create jobs/tasks to accommodate light-duty restrictions, but the work needs to be meaningful and should be temporary. Create a list of potential light-duty jobs that you can draw from if the need arises. SFM offers lists by industry to help you get started in identifying transitional work.
In order to calculate average weekly wage SFM needs a wage history showing gross pay 26 weeks prior to the date of injury. In some situations, SFM Risk Solutions may need to request 52 weeks of gross wages prior to the date of injury.
SFM’s CompOnline® risk management system is especially helpful for mid- to large-size employers who tend to have more claims. CompOnline allows you to access a dashboard of your claims data, set up email notifications, track claim history, customize reports, subscribe to loss runs, look up your policy and premium information and more. Click here to learn more about CompOnline’s features or register for an account here.
