Nov
4
2015

In our April post, we shared the top five most costly workers’ compensation claims. In this post, we have claims six through 10 to share with you to round out our top 10 list of the most costly workers’ compensation claims filed with The Hartford, one of the primary insurance carriers for the AAHA Business Insurance Program

We’re also pleased to announce that The Hartford received a claims loyalty index (CLI) score of 87 in 2014 and has a score of 100 through the first quarter of 2015 from business insurance policyholders in the AAHA Business Insurance Program. The Hartford surveys clients throughout the claims process to ensure that The Hartford is listening and responding to customers’ needs in real time and creating loyal customers. The Hartford utilizes the Net Promoter® calculation methodology, the worldwide standard for organizations to measure, understand, and improve their customer experience.

#6 Employee fractures both wrists and one knee

While walking inside the practice, the office manager stumbled and landed on both hands and a knee. The manager’s head also struck a wall. The employee sustained bilateral fractures on both wrists and a knee fracture. One wrist required extensive surgery, and the fractured knee required a pin. The flooring mixture included sand for traction to avoid slips and falls, and it was believed that this may have caused the office manager’s feet to catch while walking. The employee retained legal representation. The insurance carrier assigned a nurse case manager to coordinate the medical treatment for this complex case. Home health care was also provided to assist the employee with daily home activities and personal care during recovery. The insurance carrier paid nearly $90,500 in medical expenses, legal fees, and indemnity.

#7 Dog bite injures employee’s tendon

While attempting to weigh a dog, an employee was bitten on the wrist, and the dog bite punctured through the skin. Initially, the injury appeared to be minor; however, the employee experienced chronic pain. The insurance carrier assigned a nurse case manager to coordinate the medical treatment. After extensive diagnostic testing, it was determined that a tendon was damaged, and the employee had surgery to repair the tendon. The insurance carrier paid nearly $86,000 in medical expenses, legal fees, and indemnity.

#8 Lifting leads to lumbar spondylosis

Two employees were moving a 100-pound expired dog out of a freezer and transporting it to be cremated. During the lift, one employee experienced lower back pain, followed by a radiating pain that traveled down the employee’s leg. The employee sought medical attention. X-rays revealed mild lumbar spondylosis, and the employee retained legal representation. Treatment included physical therapy and pain management. The insurance carrier paid $80,000 in medical expenses, legal fees, and indemnity.

#9 Trip and fall causes permanent injury

While obtaining a dog’s urine sample outside, an employee tripped and fell, fracturing a wrist. The employee sought treatment at an urgent care center, and the wrist was placed in a splint. The injury intensified, and the employee retained legal representation. A nurse case manager from the insurance carrier helped the employee secure treatment with a specialist and obtain appropriate diagnostics including a CT scan and a bone scan. Treatment also included physical therapy. After a final medical evaluation, the employee returned to work with permanent work restrictions for medium duty. The insurance carrier paid $77,000 in medical expenses, legal fees, and indemnity.

#10 Dog attacks employee in kennel area

An employee unleashed a dog to place it into a run. The dog looked at the employee strangely, and then attacked. The employee was knocked to the ground and sustained multiple bite wounds and injuries from the dog pulling on extremities. The employee escaped the kennel area and struggled to stay conscious. A co-worker called 911. The employee was hospitalized, and the bite wounds were irrigated and debrided. Surgery was performed to repair several tendons. A nurse case manager partnered with the claim adjuster to provide the appropriate specialists to facilitate a prompt recovery. Post-surgery, the employee’s treatment included physical therapy and pain management. After a final medical evaluation, the employee was certified at maximum medical improvement and returned to work. The insurance carrier paid $75,000 in medical expenses and indemnity.

In addition to workers’ compensation, check out the AAHA Business Insurance Program for business property/liability, employment practices liability, flood coverage, data breach/cyber liability, and more. Call 866-380-2242, option 4 to add these key coverages to your portfolio, or visit www.aahainsurance.org/quote.

Add comment

  Country flag

biuquote
  • Comment
  • Preview
Loading

About this Blog

Red is your guide to everything AAHA. Whether you’re looking for association news, updates on our educational offerings, the latest books from AAHA Press, deals from our Preferred Providers, or fun reads from various AAHA staff and AAHA-member veterinary professionals, this is where you’ll find it.

Questions or comments?
Email us at aaha@aaha.org or call AAHA’s Member Experience Team at 800-883-6301.

AAHA-Accredited Veterinary Hospital Locator

Read the latest edition of:

Poll Question
Veterinary professionals: Are you allowed to bring your pet(s) to work with you?

The Standard of Veterinary Excellence ®
American Animal Hospital Association | Copyright ©2018 | Privacy Statement | Contact Us
The Standard of Veterinary Excellence ®
American Animal Hospital Association | Copyright © 2014
Privacy Statement | Contact Us