Workers compensation is essential to have in any type of business. As an employer, it is important to take all the necessary steps in creating a safe workplace environment. However, accidents occur even in the safest workplace environment. More than 4.1 million people in the United States experience a non-fatal injury or illness in the workplace. Therefore, as an employer, it is your legal responsibility to provide workers compensation insurance.
Workers compensation provides all the proper care and wage replacement for your employee. Moreover, it also prevents workers from filing a lawsuit against you.
What is Workers Compensation?
OSHA (Occupational Safety and Health Administration) requires employers to be responsible for providing a workplace that follows safety and health standards.
If an employee gets injured in the workplace, Workers compensation provides benefits to employees who get injured in the workplace. These benefits include medical costs, lost wages, and other possible losses. According to The Hartford, workers compensation protects businesses and employees from resulting in financial losses when a worker is injured on the job.
Why is Workers Compensation Important?
Workers compensation insurance is mutually beneficial for both the employees and employers. It is essentially a trade-off between employers and employees. In accordance with the Department of Industrial Relations, employees are entitled to receive medical treatment for workplace injuries no matter who is at fault. In return to receiving these benefits, the injured worker agrees not to sue the employer for the injuries.
Workers Compensation Medical Provider Network (MPN)
If an employee is injured on the job in California, they are required to choose a doctor from the employer’s medical provider network (MPN).
“A medical provider network (MPN) is an entity or group of health care providers set up by an insurer or self-insured employer and approved by DWC’s administrative director to treat workers injured on the job. Under state regulations, each MPN must include a mix of doctors specializing in work-related injuries and doctors with expertise in general areas of medicine. MPNs are required to meet access to care standards for common occupational injuries and work-related illnesses.” – www.dir.ca.gov
The treating physician from your MPN will be responsible for the treatment your worker will go through. This also includes how long treatment will be and how much time off work your employee will have to take.
For more information on occupational medicine, read “Tips on How to Prevent Workplace Injuries.” To get you started, partner with A&C Urgent Care to create a safe workplace. A&C Urgent Care occupational clinic offers customized care to match all the needs of your company. Take a look at our work injury services and create an account with us here.
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