"How To Be a WorkComp Guru Part III"

Isn't it interesting that the most important element of a workers compensation program is the employee which is at the heart of this blog and the least to which consideration is given. Everything works fine until the employee complains of a physical problem. One which he discovered while working. Most employees never ever venture into the real participation of a workers compensation claim. However, those that do are really two diverse personalities of claimants. Those that are really injured and those that are chronic manipulators of the workcomp system. You see, workers compensation is a strict liability statute. Meaning, if you're hurt or discover that you're hurt while on the job, the employer pays, regardless. Knowing this, it would seem that employers would take the time to check out their new hires a little better than they're doing. Why, you ask? It's simple, the insurance companies are going to surcharge you if they pay out more than they take in (premiums). You the employer are always going to foot the bill, no matter what they charge you. Well, that is unless you decide to go out of business. Not a good alternative to developing a branding quality to your identity as a business. This situation can be drasticlly reduced. You the employer need to check the workcomp background of your employees, especially new hires. You simply have an area on the employment application where they sign acknowledging their acceptance of letting the employer run background checks. This service normally runs between $10 and $50 depending on how in depth of a check you want. To see and know more about workcomp go to:http://www.oaktreeagency.com/Work_comp.html