Needle-sticks and workers compensation insurance

One of the most common workers compensation claims for hospitals and physicians are needle sticks.  These claims are problematic for insurance carriers since there’s the potential for the employee to contract an infectious disease.  Over the years employers and insurance carriers have leveraged technology and history to simplify and reduce the cost of testing and time away from work before being cleared.  It’s important that you discuss this with your insurance agent to see how insurance carriers in the marketplace handle needle sticks because some carriers will pay for the initial testing and some won’t.  It’s imperative that these claims are reported in a timely fashion to ensure the company isn’t violating laws. Also, you need to review what risk management services the insurance carrier provides to prevent these claims in the first place.