While on routine duties, it is not possible to evade injuries in your career time. The question arises here, what to do when a misfortune happens while on duty. An injury claims management chips in at this point to protect the victim from mistreatment by the employer.
Personal injury claims management is a process coordinated by the management for protecting the employee in the event of injury. It consists of activities and methods that facilitate injury treatment, clearance of hospital bills, compensation, on time, and smooth return to work for injured employees.
Personal injury does not necessarily translate to physical harm only, but mental and emotional ambush also fall under personal injury.
Components of personal injury claims management
The elements are the same for all claims, but the compensation will vary depending on the location, the witnesses present at the time of injury, and the extent of the injury. In this article, I have unraveled the mystery behind the difference in compensation by bringing to book the components of personal injury claims management.
1. Duty to exercise reasonable care
It is the mandate for every employee to protect themselves from possible injuries. Alongside the mandate, it is also natural to exercise reasonable care and live a healthy life. Reasonable care means doing what is expected to safeguard your body and the machine or tool you are using from harm.
An example of reasonable care is when a crane operator is lifting heavy loads while using a phone to call and text. The duty is owed to the operator, employees near the crane, and passers-by.
2. Failure to exercise reasonable care
The claim is directed to the person who failed to exercise reasonable care and caused harm to the victim. The party that caused the injury is investigated to establish whether it was by mistake or it was intentional.
An example of failure to exercise reasonable care is when a crane operator mishandles a load while making a phone call and injures a passer-by who is far from the crane. The operator fails to exercise reasonable care and is held liable for the injury.
After the duty to exercise reasonable care is investigated, the victim proves that the negligent party failed to observe reasonable care and caused when he could have mitigated it. If the victim fails to prove it, then the negligent party is not held liable.
4. Actual damages suffered
This is the actual compensation for the damages caused by the negligent party. They include every expense but are not limited to medical bills, transport, special diet, lost income, suffering, damage of property, etc. In the above scenario, the crane operator will incur every expense the victim will incur from the time of injury to the first day of return to work.
View Injury Claims Management Templates, Forms and Examples
Importance of personal claims management
- On-time compensation
Some organizations are too big for employees to fight for compensation but small enough to care. Employees face hard rock when demanding compensation for a claim resulting from the employer's negligence to provide protective gear and a conducive working environment. Through lawyers, affected employees receive fair compensation on time.
- Protect what matters most
You cannot realize the real picture of your employee until you are in a mess with him. Employees turn rude and naughty when they get into severe accidents while in the workplace only to exclude themselves from the tragedy. Personal injury claims management chips in at this moment to protect employee exploitation.
- Safe and faster return to work
Even when injured, employees who are taken care of by the employer while in hospital will be motivated to return to work as soon as they recover. Employees tend to heal faster when taken care of than when ignored.
Digitizing personal injury claims management
Implementation of standard and digital means of personal injury claims management is the best practice in the workplace. Managing claims via digital platforms help in;
- Minimizing time spent in collecting data for evidence
- Reduce resources wasted on an investigation
- Keep records in a long-lasting database that are used for future reference
- Facilitate faster compensation and return to work
Having an automated personal Injury claims management system offers the best services in employee compensation and medical evacuation. It is crucial for all companies but not limited to risky ones to establish and maintain automated systems.
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