When an employee experiences an on-the-job injury, employers sometimes hesitate to file a workers’ compensation claim right away. The concern often comes from general insurance experience with the assumption that filing too many claims will automatically raise costs.
In workers’ compensation, however, it is not the claim itself that drives costs. It is the extent of the injury, the medical treatment required, and the amount of time an employee is away from work.
The most effective way to reduce costs is by preventing incidents before they happen. When an injury does occur, reporting it immediately ensures it will be managed by an experienced claims professional who can help control expenses and protect your organization’s interests.
A Step-by-Step Guide for Employers
We have developed a new infographic, Navigating the Claims Process: A Step-by-Step Guide for Employers, that outlines how to respond effectively from the moment an incident occurs through final resolution.
The process includes:
- Ensuring proper response and immediate reporting
- Early coordination of claims management
- Ongoing communication with injured workers and families
- Assessing subrogation opportunities
- Implementing safety measures to prevent future incidents
By following these steps, employers can improve claim outcomes, reduce overall costs, and maintain trust with their workforce.
Why Timely Reporting is Critical
The benefits of early claim reporting are both practical and legal.
- It is required by law and avoids penalties for late filing
- Delays can reduce coverage or weaken your legal defenses
- Evidence deteriorates over time as witnesses move on, memories fade, and physical proof is lost
- Early action helps control reserves and reduce litigation risk
Even so-called “minor” injuries should not be ignored. For example, back, neck, or shoulder pain that seems insignificant at first can become costly and complex if not documented and addressed immediately. Without a formal claim on record, you may lose key legal protections.
The Bottom Line
Timely claim reporting is not just a compliance requirement. It is a business strategy that helps manage risk, control costs, and ensure injured workers receive the care they need.
Download the infographic below to see the complete step-by-step process for navigating claims effectively.
