Injury Management & Return to Work Insurance

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Injury management for workers

Tailored Injury Management & Return to Work Insurance

Unexpected workplace injuries can disrupt your workflow and impact your bottom line. At GSK, we understand the challenges you face when an employee is sidelined.

That’s why we offer tailored Injury Management and Return to Work Insurance solutions, designed to not only protect your employees but also safeguard your business against the financial strains and operational disruptions of workplace accidents.

Our comprehensive policies ensure swift, effective recovery and seamless reintegration of your staff, keeping your business resilient and productive.
Ready to fortify your team and secure your business’s future?

What can Injury Management and Return to Work insurance cover?

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Medical And Rehabilitation Expenses

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Compensation For Lost Wages

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Legal And Compliance

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Operational Continuity Assistance

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Employee Well-Being And Support Services

Third-Party Property Damage – Fire & Theft

What’s at risk?

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Financial Risks

When an employee injures themselves at work, it can be costly. Comprehensive insurance policies cover expenses related to medical treatments, surgeries, and hospitalisation, as well as costs for physical, occupational, or any other rehabilitation services.
Similarly, when your employee is unable to work, these policies provide financial compensation so they can remain afloat. This ensures they can focus on their recovery, without the stress of lost income.

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Legal and Compliance Risks

Having the right insurance in place safeguards your business against lawsuits or legal claims that may arise from workplace injuries. This is particularly important in scenarios where the workplace environment might have contributed to the injury, as it helps in managing potential legal repercussions.
These policies also assist in your business adhering to health and safety regulations. By providing a structured approach to injury management and return to work, businesses can demonstrate compliance with legal obligations, reducing the risk of penalties.

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Operational Continuity

If an injury prevents an employee from performing their previous job. the insurance can cover the cost of re-training for a new role. It can also finance modification to the workplace or provide specialised equipment to accommodate the employee’s return, ensuring they can work safely and effectively.
To maintain operational continuity, you may need to hire temporary staff during your injured employee’s absence. Your policy can cover the associated hiring and training costs, ensuring that the business continues to operate efficiently without extra financial strain.

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Employee Well-being & Morale

Beyond covering medical treatments, these insurance policies often extend to psychological support like counselling, especially in cases of traumatic injuries. This holistic approach to recovery is often vital for employee well-being.
By effectively managing injuries and facilitating a smooth return to work, these policies demonstrate your commitment to your staff’s health and safety; this can significantly boost employee morale and loyalty, and foster a positive work environment.

Need to make a claim?

Don’t worry – we’re here to help. Follow these steps to ensure a smooth claims process.

1. Gather information

Collect your essential information, including your policy number, insurer’s name, and agent’s contact. Be ready to describe the incident type, damage or loss, how it occurred, any witness, and any additional documentation or photos if available.

2. File your claim

To file a claim, contact your insurer and provide your policy number. The claims adjuster may request more information or documents, and some insurers offer online claim forms for quick submission.

3. Review and negotiate the claim

Once you file your claim, the insurer will respond within ten business days. If approved, expect a settlement offer that may be lower than anticipated. If denied, they’ll provide a reason, and you can appeal with legal guidance. Keep all related documents for future reference, and if your claim is approved, move forward accordingly.

4. Get the payment

After settling, expect a payment from the insurance company. For inquiries or claim status updates, contact your insurer or broker. In exceptional cases, like catastrophes, the process may extend up to 12 months, but you can still inquire about your claim’s status.

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Why GSK Insurance?

Partnering with GSK Insurance Brokers means partnering with a seasoned and reliable expert in the insurance field.

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With over 40 years of experience, we’ve seen it all – and that’s why our customers trust us to provide them with the best insurance solutions for their unique needs.

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Don’t settle for a one-size-fits-all insurance plan. Our tailored courier insurance ensures that you get the coverage you need to keep your business running smoothly.

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Get the coverage you need, fast. With our instant quotes, you can find out just how affordable insurance can be, in just a few clicks.

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From the outback to the coast, our Australia-wide cover means that you’ll always have the peace of mind you need to operate your business with confidence.

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Why pay more than you have to for insurance? Our competitive pricing ensures that you get the coverage you need at a price you can afford.

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We believe that great customer service is the foundation of GSK Insurance. That’s why we go above and beyond to provide you with the support and guidance you need to make informed decisions about your insurance coverage.

Frequently Asked Questions

What is Injury Management and Return to Work Insurance?

Injury Management and Return to Work Insurance are policies designed to support employees who have suffered work-related injuries or illnesses. Injury Management Insurance assists in covering the costs associated with the recovery and rehabilitation of the injured employee. 

Return to Work Insurance focuses on facilitating the employee’s transition back to work, often including support services such as vocational training or workplace modifications. 

Why is Injury Management Insurance important for businesses?

Injury Management Insurance is crucial for your business as it ensures that your employees receive prompt and effective medical treatment and rehabilitation services after a work-related injury. This proactive approach can significantly reduce the duration of employee absence, maintain productivity, limit the costs associated with long-term disability claims, and demonstrate your business’s commitment to employee welfare.

How does Return to Work Insurance benefit my employees?

Return to Work Insurance benefits your employees by providing them with the necessary support and resources to make a safe and timely return to work. It often covers retraining, counselling, and workplace modifications, helping employees to reintegrate into their roles comfortably and efficiently. This support is essential for the employee’s psychological well-being and career continuity.

What types of injuries are covered under these insurance policies?

These insurance policies cover a wide range of injuries, from minor workplace accidents to more severe, long-term injuries and occupational illnesses. The specific coverage can vary based on the policy, but it generally includes injuries sustained in the course of employment that require medical treatment, rehabilitation, or adjustments in the workplace for the employee’s return.

How can Injury Management Insurance contribute to a safer workplace?

Injury Management Insurance can contribute to a safer workplace by encouraging employers to implement comprehensive safety protocols and injury prevention strategies. Knowing that injuries are effectively managed can motivate employers to proactively identify and mitigate workplace hazards, leading to a healthier and safer work environment. 

What is the process for claiming under these insurance policies?

The claim process typically involves several steps: 

  • Reporting the injury to the employer
  • Seeking medical treatment
  • Submitting a claim to your insurance provider

You or your insurance provider may require documentation such as medical reports and a detailed account of the incident. Your insurance company then assesses the claim to determine eligibility and extent of coverage.

How does Return to Work Insurance integrate with existing employee health plans?

Return to Work Insurance is designed to complement existing employee health plans by focusing specifically on the needs of employees recovering from work-related injuries. While regular health plans cover medical and health-related expenses, Return to Work Insurance provides additional resources like vocational rehabilitation counselling, and workplace adaptation, which are not typically covered by standard health plans.

How does investing in these insurance plans impact our overall business cost?

Investing in these insurance plans can positively impact your overall business costs in the long run. Although there is an upfront cost for the premiums, effective injury management and a structured return-to-work program can significantly reduce the financial burden of workplace injuries. 

These include lower costs related to long-term disability claims, reduced turnover rates, and maintaining productivity by facilitating quicker and more efficient employee returns to work.

These plans can also positively affect employee morale and the company’s reputation, potentially leading to indirect financial benefits. 

Injury Management & Return to Work Insurance by GSK Insurance

For more information about commercial motor vehicle insurance, contact GSK Insurance Brokers today.

Courier Hotline: 1300 220 212

Courier Email: courier@gskinsurance.com.au

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