Monday Morning Claims
Some employees actually look forward to Monday. They are generally the ones who injured themselves at the gym or working around their house over the weekend . Rather than face the cost of medical bills or the loss of income due to their sudden inability to perform their job, they decide to stealthily report a “work-related accident”—aka a false workers’ compensation claim. Then they seek medical attention and get treatment for their torn muscle or broken limb at the company’s expense.
Benefits of Monday Morning Claims Protection
Studies indicate the additional claims on Monday are filed prior to 12:00 noon and they are soft-tissue claims that are not specifically tied to the occupation.
Since insurance companies use frequency & severity as part of their criteria to set Workers Compensation premiums, avoiding the Monday Morning claim:
- Reduces the frequency of Monday Morning Claims by 26%.
- Reduces the absolute number of claims.
- Removes the employer lack of control over the severity of OFF THE JOB injuries.
- Reduces the time spent by the employer processing and monitoring the claim.
- Reduces the need for the employer to hire new or “fill in” with other employees.
- Allows the employee to obtain immediate medical care during the weekend.
- Allows the employee to obtain direct financial payments for OFF THE JOB injuries.
Benefits To Employees
- Income Replacement
If you are injured off-the-job and can’t work - Medical Bills
Pays treatment due to off-the-job injuries - Death Benefit
Pay specific amounts due to injuries off-the-job - Income Replacement
You still need income if you are sick or hurt and can’t work
Whitepaper Studies
