Workers Compensation is mandatory and designed to protect you and your employees in the event they are injured or become ill while on the job. Although each state has its own requirements, Workers Comp is designed to provide employees with coverage for medical expenses, lost income/wages up to a certain amount, rehabilitation costs and death benefits. At Dickstein Associates Agency, we not only can provide you with the required coverage but our staff will also work with you to help control your Workers Comp costs.
As part of our services, our staff will determine exactly what business operations are performed in your operation as well as the specific activities performed by your employees to ensure they are properly classified in your Workers Comp policy. We will also review your current insurance, experience modification worksheet, payroll audits, and loss-sensitive rating adjustments to see if there are any problems or miscalculations that may be impacting your premiums.
Our staff will also take a look at your claims handling and reporting procedures for any claims trends, evaluate accident history and much more to see where we can minimize losses, maximize safety and potentially reduce your premium costs while fostering a more productive, healthier staff.
Along with our insurers, we can also assist you with implementing Return-to-Work (RTW) programs to get injured employees back to work as soon as they’re able to. A typical RTW strategy involves job modifications, traditional duties and work assignments elsewhere in the company, enabling employees who are still recuperating to return to productive work.
Many companies conduct business activities in multiple states. If you have out-of-state operations, let’s talk about what benefits your Workers Compensation policy affords beyond where you are headquartered.
New Jersey, New York, Pennsylvania, Delaware, Florida, Iowa, Illinois, Indiana, Maryland, Michigan and Utah.