Coverage for Staff Workers In Assisted Living Homes

Employees working in assisted living facilities must exercise patience, common sense, and professional training all while providing quality care to mostly elderly residents. The job can be physically demanding, and caregivers often end up suffering an injury, perhaps even a severe injury, while on the job. For your clients that own or operate these facilities, this will result in the filing of a claim for assisted living workers compensation.

Naturally, employers are concerned with the rising cost of workers compensation (WC) claims and many are looking at various ways to reduce workplace injuries. Aside from lifting patients in and out of beds or chairs, employees, mostly nurses, and assistants can be injured attempting to prevent a resident from falling down. There are also slips, trips and falls to be considered which may very well be the case as well.

The irony is that in the exact same treatment for the same illness or injury being applied to different workers, the resulting costs can be dramatically different. Not everyone responds to treatment in the same way. This inequality is perhaps one of the most troubling, and costly, challenges for employers in the assisted living industry.

WC treatments integral to high costs for insurance

In statistics published by the National Council on Compensation Insurance, it was found that cost increases are being driven by the growing use of workers compensation benefits. A greater frequency of doctor visits, coupled with more expensive tests and surgeries being done, as well as lengthy rehabilitation (in some cases), plus the physical therapy required for some patients, all can and will result in increased insurance costs.

Keep in mind that this is a process that can in many cases take months or even years to settle, and the insurance company and employer are both committed to covering the injured worker’s costs for treatment until the time comes that the worker’s illness or injury is resolved or, in worst-case scenarios, a transition to disability is made. This is one reason why assisted living workers compensation insurance costs are spiraling out of control.

Owners must continue to team up with a professional insurance broker to obtain assisted living workers compensation insurance with the best options. Agents that can provide access to quality coverage, and can also offer guidance on establishing a risk management program at the assisted living facility to help reduce or eliminate costly workplace injuries are in high demand.