The absence of a response plan for catastrophic injuries not only devastates the injured worker but also poses potential risks for the employer. (Credit: wavebreakmedia/Shutterstock.com)
Catastrophic work injuries occur every day to many employers of all sizes and occupations. Regardless of the size or type of membership served, every pool faces this exposure. These life-changing claims are complex, individualistic, and require much higher standards of coordination and communication.
Not having a plan in place to respond to a catastrophic injury is not only devastating to the injured worker but also potentially to the employer. These are very complicated medical cases requiring very specialized expertise. Your third-party administrator (TPA) and insurance carriers can assist in recommending vendors and medical advisors. However, your pool should vet these vendors and help them understand your organization so you both fully comprehend the alert process.
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