Proactively Defending Your Business with Workers’ Compensation.
Essential HR Partners is committed to providing comprehensive workers’ compensation and risk management solutions that help reduce your exposure, maintain compliance with state and federal laws, and provide peace of mind.
Flexible Plans
We provide flexible workers' compensation plans with top-rated carriers, offering competitive rates. One of our key offerings is pay-as-you-go workers’ compensation, allowing you to base payments on actual payroll amounts and pay premiums when processing payroll. This approach eliminates upfront deposits, annual audits, and surprise lump-sum payments at year’s end.
Understanding common reasons for denied workers' compensation claims can help prevent issues. Claims are often rejected due to lack of medical evidence, statutory disqualifications, pre-existing conditions, substance-related incidents, delayed reporting, or misrepresentation.
At Essential HR Partners, we bridge communication between your company, injured employees, carriers, and medical providers. Our proactive approach supports timely recovery and smooth return-to-work, reducing claims costs and improving your loss history, ultimately lowering premiums.
The Cost of Workplace Injuries
Workplace injuries and illnesses cost employers an average of $975 per employee annually in workers' compensation, with manufacturing alone accounting for 15% of nonfatal incidents. Common injuries, like sprains and strains, lead to lost workdays and can result in long-term absences. Only 55.4% of injured workers return to work after six months, dropping to 4.9% after two years. Strong safety programs and risk management strategies can significantly reduce these incidents and their impact.
Customized Safety Programs and Training
Essential HR Partners provides customized safety training and program development, including mandatory OSHA training and general loss control education to ensure compliance and a safer workplace.
Our OSHA-authorized trainers offer 10- and 30-hour courses for general industry and construction, teaching workers to identify and mitigate hazards, with OSHA-issued completion cards awarded upon completion. Our loss control team also offers free training on OSHA 300 logs, electrical safety, PPE, and more. Many sessions are available in Spanish to enhance accessibility and help employers avoid costly penalties.
Assisting with Compliance and Safety Management
Beyond training, Essential HR Partners helps businesses stay current with local, state, and federal legal updates. Our team conducts job analyses, on-site inspections, and accident investigations to ensure compliance and workplace safety.
Your workers are your most valuable asset. Protect them with our proactive approach: our workers' compensation specialists assess your strengths and design a tailored safety plan for your business.
How Workers’ Compensation Protects Employees
Workers' compensation insurance provides medical, wage, and rehabilitation benefits to employees injured on the job, with coverage varying by state. Benefits may also extend to families if a workplace injury results in death.
Most states require employers to provide coverage for all employees, regardless of status. Workers' compensation costs are usually linked to payroll, and employers can manage these costs through safety programs, return-to-work policies, and proper employee classification within the correct compensation code.
The Workers’ Compensation Claims Process
To start a workers' compensation claim, employers must file a First Report of Injury, detailing the incident’s date, time, and circumstances. This report is sent to the insurer, initiating the claims process, with additional information provided as needed.
Diligent reporting and adherence to the claims process help ensure a smooth, timely resolution for both the employee and the business.
