Those who spend much time in a nursing home understand the unique risks that staff members face. These individuals often work under conditions that are conducive to harm or injury. Some examples of this include helping residents in slippery bathrooms, the risks of picking up illnesses from very sick residents, and potential back problems resulting from lifting residents. Nursing homes workers compensation plans should be appropriate for the risks that these individuals face.
One of the first ways to ensure the selection of an appropriate coverage policy is to become familiar with the risks that are so common in the nursing home profession. Without this awareness, it can be difficult to develop plans to accurately address the most common occurrences. Those companies that provide policies to reimburse nurses, doctors, aides, and other healthcare and staff members must be able to determine if the injury could have been avoided or if they resulted in spite of appropriate practices.
When looking for the right nursing homes workers compensation plans to offer your clients, you may want to consider the benefits of large-deductible plans and retrospective rating plans. Look for an insurance provider with training and strategies already in place that will decrease the risk of workplace injuries. This often results in a lower overall cost for the workers’ compensation coverage. It is also crucial to find a provider that is particular about staying current with state and all other regulations.