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Unlike other brokerages, however, we don’t think you should pay a small fortune to buy a policy. Once we pre-qualify you, our specialists will look tall and moo to discover a domestic wellbeing care protections arrange that surpasses your desires.
Best of all, we may be able to diminish your current premiums by 30-40% within the handle.
Services Provided By Home Health Care Workers Agencies
- Advancements in medicine make it possible for patients to get care from nearly any location. Home Health Care Workers Compensation Insurance offer a seemingly limitless number of services. And most individuals incline toward the consolation and comfort of at-home care.
- When a quiet enlists within the benefit, the office relegates a nurture, specialist, caregiver, or another restorative proficient. Depending on the needs of the individual, the aide will visit weekly, daily, or possibly stay 24/7.
- Nursing care is the most requested form of home health. In addition to helping with general care, such as dressing or bathing, nurses can perform a number of specialized medical tasks.
- Nurses have training in wound dressing, intravenous therapy, medication administration, and ostomy management. Some patients may require regular therapy sessions.
- Physical and occupational therapists often provide services in the patient’s home. A person may need targeted therapy after sustaining an injury or due to a chronic illness. The objective of treatment is to assist a quiet recapture quality or relearn how to perform every day assignments.
- Those with formative, passionate, and social delays moreover advantage from these administrations. Caregivers also play a vital role in the home health field. These professionals help patients with their basic needs. A caregiver may help a person bathe, get dressed, eat, or walk around. Some even tackle household chores or plan nutritional meals.
- Patients can check on their caregivers to require them to and from specialist arrangements. They too give much-needed companionship. Caregivers are beneficial to those with mobility issues, developmental delays, or aging seniors.
Does Workers’ Comp Cover Home Care?
Many families opt for home health care over lengthy hospital stays or nursing home facilities. Allowing loved ones to remain in familiar surroundings can help boost their spirits and promote healing. And in most cases, traditional Home Health Care Workers Compensation Insurance will cover some or all of the expenses relating to these nursing services.
However, a patient’s health insurance does not protect the health providers at all. Nursing injuries are very common, and some can be dire enough to limit a nurse’s ability to perform their job. Home Health Care Workers Compensation Insurance companies need to carry workers’ compensation to protect their employees in the event of a work-related accident.
Workers’ comp insurance for home care workers acts the same as in other industries. The plan kicks into action as soon as an employee reports an accident. Depending on the injury, the worker may need medical treatment, lab work, imaging, follow-up care, or rehabilitation.
These expenses add up quickly, but the policy should cover any medical bills relating to the accident. Without coverage, the employee could take legal action against your company.
Buying a workers’ comp policy is the best way to protect both your employees and yourself.
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The Risks of Providing Home Health Care Services
Even though home health care WC insurance exists, many companies struggle to purchase it. When they shop around for a policy, they often hit a few dead ends. All too often, insurance companies refuse to cover home health providers. They view the industry as high-risk, and Home Health Care Workers Compensation Insurance see you as a costly liability.
And, unfortunately, there is some truth behind this belief. Job-related accidents happen all the time in the nursing field. Home health services report even higher than normal occurrences. For every 10,000 home health aides, about 116 will injure themselves per year. In the eyes of an insurance company, this isn’t a number to overlook.
The National Council on Compensation Insurance (NCCI) assigns each job title with a corresponding class code. These numerical codes categorize companies and employees based on risk. As the class code increases, so does the risk of an on-the-job injury.
What Is the Home Health Care Workers Comp Class Code?
Many people assume working in the healthcare industry is safe. Home health aides provide service in a cozy, welcoming environment, so what could go wrong? The prevalence of injuries in the job sector may come as a surprise.
The class code for all Home Health Care Workers Compensation Insurance employees is 8835. This class code covers a range of home health providers, including aides, nurses, social workers, and therapists. The NCCI views these jobs as high-risk—and there are plenty of statistics to back up this claim.
The Bureau of Labor Statistics reports that more health providers get hurt on the job than construction workers. These numbers include Home Health Care Workers Compensation Insurance nurses and caregivers. Even though most of these injuries are non-fatal, they can still cost quite a bit. Injured employees often need extra time off work to recover. And lost-time claims are very expensive for insurance companies to cover.
What Are the Most Common Home Health Injuries?
Home Health Care Workers Compensation Insurance confront an interesting set of challenges due to the bizarre nature of their work. Not as it were do these workers work in a assortment of situations, but they must moreover handle delicate, maturing patients. Work-related mishaps are common for both of these reasons.
Here are some of the most frequently reported injuries:
- Sprains and strains
- Ligament or tendon rupture
- Fractures
- Puncture wounds
- Hazardous material exposure
- Repetitive motion injuries
Falls and overexertion are the two leading causes of home health injuries. Patient violence, traffic accidents, and sharps injuries also top the list.
While most of these injuries aren’t life-threatening, they can significantly reduce a worker’s quality of life. A few representatives may require weeks or months of treatment to recapture their quality. Others may be incapable to return to work for an expanded period.
These injuries are also expensive to treat. Hurt workers will undergo a wide range of tests and treatments. Without insurance coverage, these medical costs will add up quickly. And most health agencies don’t have the funds to pay out-of-pocket.
Buying a Home Health Care Workers Compensation Insurance policy guarantees you won’t go bankrupt if someone files an on-the-job accident claim.
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Cost is the number one obstacle when signing up for a Home Health Care Workers Compensation Insurance policy. However, without coverage, your company is just a single accident away from bankruptcy. That’s why it’s crucial to find an insurance plan that understands the unique needs of your home health agency.
Coastal Work Comp Brokers makes it easy to find and purchase a reliable Home Health Care Workers Compensation Insurance policy. We specialize in a variety of high-risk jobs, specialty niches, and new ventures. We also work with companies that need multi-state risk coverage.
Even if other insurers have turned you down, our brokers will work hard to get you prequalified for top-notch coverage. You can count on us to shop around for the best, most affordable options.
At Coastal Work Comp Brokers, we understand the insurance needs of home health agencies. We have helped thousands of small- and medium-sized companies, and we hope to add your agency to our growing list.
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