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I have had no claims so my insurance
costs should stay the same.
THE TRUTH
IS...insurance costs are not just about your
business. Your premium pricing reflects
the pool of costs for all customers,
including, but not limited to:
- Healthcare costs, which are rising
at a much greater rate than inflation;
- Businesses that have claims;
- Fraudulent claims;
- Evolving types of workplace hazards
such as asbestos, carpal tunnel and
terrorism; and
- Economic factors.
To the extent that Zenith's expertise
can impact this pool of costs, our
customers will pay less over the long-term
for workers' compensation insurance.
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You can't do much to control your
workers' compensation premium.
THE TRUTH
IS...the
choices you make influence how much you'll
ultimately spend on workers' compensation
coverage, as well as the hidden costs of
injuries to your business. By promoting
safety, you reduce the odds of employee
injuries. By reporting a claim to us
promptly, you let us help you keep claim
costs down. By encouraging an injured
employee to return to work in a
transitional role, you can cut claim
costs. (All of which can lower your
premiums.)
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Fraud isn't that big a deal in workers'
comp.
THE TRUTH
IS...workers' compensation fraud costs
employers and insurers millions
nationwide. Help us address this problem
by learning to recognize red flags that
might indicate fraud, and then by
contacting us as soon as possible.
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When we ask you to keep accurate records
-- such as classifying employees' job
duties properly -- it helps us more than
it helps you.
THE TRUTH
IS...we're
in this together. We share the same goals:
to keep your business running productively
with a minimum of disruption from injured
employees. By keeping accurate records,
correctly classifying employees' job
duties, and reporting payroll in a timely
manner, you avoid surprises in your
premium cost and enable us to serve you
better.
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When an employee is ill or injured, you
should butt out.
THE TRUTH
IS...your
active involvement plays a big role on
many levels. By you and your employees
keeping in touch with your injured
co-worker, you show you care and send a
message that everyone values his or her
contribution to the team. By discussing
transitional work with the employee's
doctor, you can craft a plan to get the
employee back to work faster. By keeping
Zenith in the loop, you help us help you
manage the process.
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The less you bring up workers'
compensation with your employees, the
better.
THE TRUTH
IS...you
have everything to gain by helping
employees understand their workers'
compensation rights and benefits--and your
rights as their employer. Raising
awareness reduces confusion and clarifies
everyone's role in ensuring that injuries
are, first, prevented, and when they do
occur, that the claim process flows
smoothly. Not talking about workers'
compensation doesn't make the issue go
away. In fact, it often leads to ignorance
and misunderstanding among employees.
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All doctors charge roughly the same for
their services, so it doesn't matter
which medical provider your injured
employee uses.
THE TRUTH
IS...the
same medical services can vary in price by
hundreds - even thousands - of dollars. In
fact, some doctors and medical clinics
over-bill us and even charge us for phony
procedures. We scrutinize medical bills to
help reduce your claim costs, which in
turn can lower your premium. We also work
hard to identify doctors and medical
providers who are honest and focus on
providing quality care.
