Part of the Berkley family

Berkley Family Logo

What to Know When it Comes to Reporting

What to Know When it Comes to Reporting

Are you aware that the cost of Employee Accident Claims grows exponentially as time goes on? Unfortunately, yes, this is true, and backed by loads of evidence to prove it. Let’s dive into some key reporting requirements, as well as some tips as to how you can avoid costly fines in the long run.


One of the best efforts that minimize the cost-effect of claims is simply attempting to encourage a return to work as soon as possible, preferably in writing. The longer a worker remains “out of the office” the more likely they are to never return. If a worker is able and willing to return to work earlier, and made to feel comfortable by their employer, this limits the periods of award/loss run (which stops PHP), and simultaneously provides evidence in favor of work ability/impairment, allowing for additional potential defenses.


Another important tip: many don’t realize how important it is to be knowledgeable of their state-specific reporting requirements until it’s too late. Knowing when you need to report a claim, and who you need to report it to during a stressful time could save you thousands of dollars and a few major headaches. If you’re being proactive about deadlines, you’ll do your organization a favor by avoiding potential late-reporting penalties that can cost upward of $1,800. And if you need even further convincing on why you should be more deadline-conscious, prompt reporting also aids in avoiding mass amounts of lost production and increased operational costs.


Lastly, two important document filing requirements you should be aware of are the Pre-Hearing Conference Statement (PHCS) and Notice of Indexing. The PHCS includes: written defenses, witnesses, and disclosed evidence, and must be filed or all defenses are waived. The Notice of Indexing involves a C-2 or C-3 in file, medical report, and a FROI from the carrier.


Post-claim, Employers and Carriers have an opportunity to recover settlements in order to recoup the costs of a WC claim in what is known as a Subrogation Claim. This involves a lawsuit that is filed on a Claimant’s behalf against a third party such as: equipment manufacturers, premises owners, or subcontractors who are at least partially responsible for injuries – and these claims require no cooperation or participation from the injured worker.