Topics: Workers' Compensation
An important part of the rehabilitation process, telehealth seamlessly connects injured employees with healthcare and rehabilitation services, expediting the recovery process so recovering employees can return to the workplace sooner. Thanks to advancements in telehealth technology, physicians can zero in on a worker’s injury to determine its extent and ultimately the best treatment option. While telemedicine isn’t a viable option for severe or life-threatening injuries, it makes sense for many common workplace injuries, from strains and sprains to cuts and minor scrapes. Fast injury assessment is just one of telehealth’s industry-changing benefits. According to a 2017 article published by URAC, “telehealth programs customized for occupational health can reduce utilization, lower costs, improve the accuracy of claim compensability determinations and enhance the injured workers’ overall care experience.”
Incorporating telemedicine into the workplace does present certain challenges such as language and cultural barriers, privacy and cyber security concerns, and regulatory and reimbursement issues. Despite these challenges, digital health care – and its numerous benefits – warrant a closer look, especially from those in the manufacturing and food service industries where musculoskeletal injuries frequently occur. While it will not affect spending on catastrophic claims, telehealth can be an invaluable tool for employers managing smaller workers’ compensation injuries. When it comes to utilizing telehealth, experts recommend that medical practitioners and claims adjusters strike a balance between the use of telemedicine and in-person care to ensure the best treatment outcome for every injured worker. With the potential to transform the workers’ comp industry, telehealth connects patients, physicians, employers and insurance providers in a way that works for everyone.
As the nation’s number one carrier in the small workers’ comp market, AmTrust has been providing small businesses with effective risk management solutions since 1998. Through the years, we have evolved into a multinational property and casualty insurer, one that today serves over 400 classes of business. Stronger than ever, we can build a coverage plan that best meets the needs of your business. This material is for informational purposes only and is not legal or business advice. Neither AmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consult their business and/or legal advisors. Coverages may vary by location. Contact your local RSM for more information.