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Workers'
Compensation Insurance is mandatory in Massachusetts. Even if you have no
employees, your practice must maintain a basic Workers Compensation policy
to avoid noncompliance with the Department of Industrial
Accidents.
PIAM offers Workers’ Compensation insurance that may go beyond mandated
coverages and offers expanded coverage in key areas. The program includes
24/7 claims reporting, state-of-the-art managed care services, preferred
medical networks, and pharmacy benefits.
Though the minimum limit of insurance is $100,000 for Disease and Injury,
many practices opt for limits of $1 million or more, especially if employees
may be exposed to blood-borne pathogens.
Take for instance this needlestick risk:
After giving a patient an injection, a member
of your staff accidentally sticks herself with the needle.
PIAM's Workers' Compensation
coverage may cover the initial costs for testing your employee and the source
patient (not all workers' compensation insurance reimburses for patient
testing). In addition, it may also include payment for employee treatment,
according to the Center of Disease Control guidelines, if testing results
reveal the patient has HIV, Hepatitis B or Hepatitis C.
At PIAM, we have a great discounted Voluntary
Workers Compensation program that can take care of your requirement
for this insurance.
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