Workers' Compensation
No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.
Acuity workers' compensation insurance
Acuity pays the benefits required by law in every state. Generally, workers’ compensation covers the following:
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Medical expenses. Medical treatment prescribed by a doctor for work related injuries. These may include but are not limited to, ER visits, doctor visits, prescription medicine, surgeries, hospital stays, rehabilitation, and medical equipment.
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Wages from lost work time. Wage replacement benefits help the injured employee during the recovery period. The amount paid is based on state guidelines.
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Disability. There are four major types of workers’ compensation disability. They are often called permanent total, permanent partial, temporary total and temporary partial. Benefits and the definition of disability vary by state.
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Financial benefit to a deceased worker’s family. In the tragic event an employee should die on the job, this benefit will help pay for the cost of the funeral as well as provide the employee’s dependents with monetary support.
Your Acuity policy also covers employers' liability.
The second part of workers’ compensation insurance is employers' liability. This insurance covers the employer’s liability to employees for work-related injury or disease
What makes us different?
The Acuity Nurse Helpline is a valuable, cost-free service that streamlines access to nonemergency care for injured workers.
We also offer a medical network of qualified doctors to treat your employees. We have currently contracted an average that is 35% below normal fees to save you money on medical treatment.
Acuity also automatically reviews each and every bill your employee incurs to make sure the treatment is applicable to the injury and charges are billed correctly.
Prescription drugs can be very expensive. To control these costs, Acuity has partnered with a pharmacy management company that assists in choosing a cost-effective drug that fits his or her needs. Utilize our prescription drug form to help your employees take advantage of this program.
These tools not only make sure your employees are cared for, but they also help reduce your workers' compensation expenses, which in turn will help reduce your work comp rates and save you money.
RESOURCES
Other things you might be interested in.
AcuitySmartPay is a smarter way to manage your Workers’ Compensation insurance premiums if you have payroll amounts that fluctuate throughout the year. Your Workers’ Compensation premiums are calculated each month based on the payrolls you report for that month. Your other lines of business written with Acuity can still follow a regular monthly billing, and all your premiums are combined on a single, convenient statement.
Acuity offers a 24/7 nurse triage for workers with non-emergency injuries. This service is free of charge to all Acuity workers’ compensation accounts.
The SIU assists claim reps. by investigating claims when there are questions about how the injury occurred, where the injury occurred or if malingering is suspected. In addition, the SIU may assist in determining whether an injury was caused by a faulty product or due to another party's negligence.
FAQs
Have questions? We have answers.
Why does my friend's work comp insurance cost so much less than mine?
Many different factors affect workers' compensation premiums. Because some businesses are more dangerous than others, their employees have a higher risk of getting hurt. For example, manufacturing businesses generally have higher work comp premiums than offices. Location is also important as benefits can vary by states.
An employer’s past claim experience may also be taken into account when determining cost. If they are large enough, employers may be assigned an E-Mod which reflects their accident history compared to others in the same industry. Acuity has the tools and experience to help your company improve it’s E-Mod. If you want to learn more about E-Mods check out our video.
What can I do if my business is not eligible for insurance through a private carrier?
Some businesses are not able to obtain coverage through a private carrier due to the nature of the business they peform or because of a negative claims history. Many states have created a residual market for employers for just this reason. Your insurance agent may be able to help you apply for this type of state-run plan.
How can Acuity help my employees return to work faster after a work injury?
Acuity workers’ compensation claims representative will work with you to formulate an individualized return-to-work plan, understanding each employee has different needs. A very important aspect of a return to work plan is to establish light duty job tasks so your employee is able to be productive while recovering from the work injury.
Why is safety so important?
Creating a culture of safety is important to your employees’ health and your bottom line. You will attract more conscientious candidates leading to a better qualified workforce and less employee turnover. You will also save money on your workers’ compensation premium. Acuity has many resources to help your company improve its safety culture.