Computers, smartphones, tablets and wearable technology change the way we live our daily lives, and now they're changing Workers’ Compensation, too. Learn more about how technology can decrease accidents, improve recovery, lower claim costs and allow employees to return to work sooner. For businesses focused on digital operations, see Technology Firms Insurance.
Improve Communication With Employees
Employers must share important Workers' Compensation information with employees. Employee handbooks or memos can be effective, but printed papers are not always accessible or easy to understand.
Smartphone mobile applications provide employees with the information they need. At a glance, an employee can stay safe while discovering important guidance and updates.
At a glance, employees can access:
- Injury prevention tips
- Updates to safety procedures
- How to file a claim
- Claim updates
Share Workplace Training
Many companies offer safety trainings to employees throughout the year. These sessions share important safety procedures, tips and protocols.
Formerly conducted in person, safety trainings can now be shared and viewed online via podcasts, videos and infographics. Employees can access the latest safety trainings directly from their computer or mobile device at work or at home.
Monitor Employee Activities
Workplace accidents and injuries occur for a variety of reasons. Sometimes, faulty equipment or slippery stairs are the culprits, but fatigue and employee error can also be causes.
Wearable technology such as watches, glasses, vests and helmets can reduce injuries, accidents and Workers' Compensation claims by detecting hazards and alerting employees or supervisors.
Wearables can:
- Monitor an employee's movements, alertness and other potentially dangerous situations
- Vibrate or send a visual alert about threats to the employee, a co-worker or a supervisor
- Promote safety and prevent claims
- Assist training efforts
- Prevent fraud
- Improve wellness programs
Improve Care for Injured Employees
Employees who are injured on the job are encouraged to file a Workers' Compensation claim as soon as possible. Unanswered or incomplete reports and poor handwriting can delay treatment.
With technological advances, incident reporting rates and accurate claim filings have risen. Employees can use an app or call an 800-number to file a claim, which is then distributed automatically to a supervisor, safety coordinator or Human Resources department.
Online resources also help injured employees find doctors and decrease wait time for necessary treatment.
Simplify Claim Management
After an employee files a Workers' Compensation claim, they will need treatment. Tracking doctor appointments and test results can be complicated.
Technology simplifies claim management and increases the likelihood that an injured employee will receive the treatment they need. Customizable email or text alerts send appointment reminders and prescription refill or pickup notifications.
Employees can also access online medical records, see which claims have been paid or call a nurse for answers to medical questions.
New technology improves Workers' Compensation in many ways. Employers in manufacturing and production may review options such as Consumer Products Manufacturing Insurance as they plan safety programs, and you can always talk to an agent about specific needs for your workplace.
Frequently Asked Questions
How can mobile apps help reduce Workers' Compensation claims?
Mobile apps centralize safety information, simplify reporting, and provide timely claim updates, which helps prevent delays and reduces errors in the claims process.
Are wearable devices allowed in all workplaces?
Wearable devices are generally permitted, but employers should review privacy policies and safety rules before deployment to address data use and employee consent.
Can technology speed up medical treatment after an injury?
Yes. Digital reporting and online provider directories can shorten the time to diagnosis and treatment by quickly connecting injured workers with appropriate medical care.
What privacy concerns should employers consider when using monitoring tech?
Employers should limit data collection to safety needs, disclose monitoring practices to employees, and secure data to protect personal information.