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The first step in an occupational injury claim – central insurance company



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Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries occur, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury occurs there is a process that is followed and filing a claim for work compensation is usually an early part of the process.

There are companies that have unique medical management programs to deliver services to insurance companies. Centralförsäkring, for example, collaborates with a company to offer its policyholders a useful service called the nurse's hotline. injuries. This means that claims can be opened within a few minutes after they have occurred and that injured workers are immediately sent to the appropriate medical facility for their treatment. Additional benefits of this program include:

  • Access to 24-hour medical advice from registered nurses (RNs) for workplace accidents.
  • Reduced time that employees are out of work.
  • Reduced claims costs with emergency care facilities used instead of emergency rooms.
  • More appropriate treatment due to home care recommendations.

Here are some common questions about the nurse hotline program:

So how does this program work? [19659004] When a workplace injury occurs, the injured worker and their supervisor call the designated nurse's hotline number to report the claim and they are immediately connected to an RN. RN will direct the injured worker to the appropriate medical facility if further medical treatment is needed. In addition, RN will provide the injured worker with paperwork to the medical facility when they expect the patient's arrival. Should this be a life-threatening injury, 911 should be contacted immediately.

Who should talk to the nurse?

If possible, the nurse will need to speak directly to the employee who has suffered an injury. As part of the medical triage process, the nurse will ask personal, medically oriented questions including previous medical history, all current medical problems and medications, allergies and the patient's perception of their own symptoms.

What happens if the employee has suffered a serious injury?

This service is designed to help with non-life threatening, limb or sight threatening injuries. If the employee has a serious injury that requires emergency care, 911 or local EMS number should be called.

What do the RNs do?

The RNs help injured employees to determine a recommended course of action for appropriate care and ensure the earliest possible intervention for return to work. This professional nursing service provides answers asked by injured employees and guides them to the appropriate level of care for their medical problems.

What type of nurses will answer the phone?

The nurse's hotline is staffed by experienced, registered nurses. The nurses have additional training to answer calls that are specifically related to injuries in the workplace.

Will they have enough nurses to answer all our calls?

Yes, of course! The call center strives for an average speed of at least 30 seconds. If there is a waiting period, it will be a very rare event.

What languages ​​are available via the nurse's hotline?

Spanish is available 24 hours a day. If the Spanish-speaking RNs are on other calls, the language bar will be used. In addition, the language bar is available for all other languages, at any time.

How long does the call take?

The average talk time is approximately 18 minutes, but each call is unique to the situation. While the nurses are trained in the handling of the interview process, their priority is to provide all the information needed for the employee to be able to understand the recommended action and / or instructions on self-care.

] What if the injured worker is a minor?

The nurse asks if a parent or guardian is available to be included in the conversation. If the parent or guardian is not available, the nurse will continue the testing process.

Can the employee call back the nurse if they have further questions or symptoms?

Yes. This is encouraged. Many times a patient will be asked a question after following the nurse's recommendation and / or before the first visit to an approved doctor. During the triage process, the nurse will ask for permission from the employee to call back if necessary and collect appropriate contact information. For all urgent, emerging and self-care conversations where a change in condition is expected, the nurse will try to complete a callback.

Will the nurse fill in a report of injury?

Yes, the nurse will receive the necessary information to fill out an injury report. After the call, this damage report is sent to the special distribution log.

Should the supervisor call the nurse's hotline and report the injury if the injured worker does not want to call?

Yes. Again, calling the nurse's hotline is the method used by the employer to report work-related injuries to Workers & # 39; Compensation Administrator. Although it is not necessary to talk to a nurse, a claim can still be reported to a first report from the tort representative. The supervisor must provide information that is available.

Contacting the nurse's hotline is the preferred method for an employer and an injured worker to report an occupational injury. This service is available 24 hours a day, 7 days a week and 365 days a year and will save valuable time and money for the injured worker and the insured. Contact your Independent Agent to see if your Workers & # 39; Compensation Policy includes a Nurse Hotline service!

The information above is of a general nature and your policy and coverage provided may differ from the examples. Read your insurance policy in its entirety to determine your available coverage.

Copyright © 2020 Central Mutual Insurance Company. All Rights Reserved.


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