The Hartford—one of the primary insurance carriers for the AAHA Business Insurance program—shared two recently closed workers’ compensation claims from the program. Workers' compensation provides payment for employees who experience job-related injuries or diseases, regardless of fault. The following claims from veterinary practices demonstrate the importance of maintaining workers’ compensation with an insurance carrier that provides a strong return-to-work program.

Routine movement at front desk results in serious knee injury
An employee was working at the front desk and turned around to swipe a customer’s credit card. As the employee turned, a pop was felt in the left knee. The employee sustained a knee injury, requiring medical exams, an MRI, surgery, X-rays, medication, durable medical equipment, and physical therapy. Following treatment, the employee was released to light duty in the practice. In total, the insurance carrier paid over $15,500 in medical expenses and indemnity.

Delayed treatment for cat bite requires surgery
While an employee was cleaning a cat’s cage, the cat escaped. When the employee retrieved the cat, it bit the employee on the index finger, causing a puncture. The employee did not immediately seek treatment of the bite and waited several hours before visiting an urgent care facility. The employee was treated for an infection. Two days later, the infection had worsened and the employee was admitted to a hospital for emergency surgery. The employee was out of work for nearly three weeks and required six weeks of physical therapy, medication, and treatment. Following successful treatment, the employee resumed to full work duties. In total, the insurance carrier paid more than $53,000 in medical expenses and indemnity.

Is your practice covered with the right workers’ compensation insurance? Call 866-380-AAHA (2242) or email aaha@hubinternational.com for a coverage evaluation today!

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