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Workers Compensation Insurance

Workers Compensation goes Beyond the expected® to rehab, rebuild, and restore lives.

How do you help employees recover from workplace accidents and illnesses? Is there a way to protect your business from legal exposure when this happens? Workers Compensation is like a safety net for you, and it helps employees rehab, rebuild, and restore their lives.

Workers Compensation offers benefits for:

  • Medical bills.
  • Lost wages.
  • Rehabilitation.
  • Disability if applicable.
  • Funeral costs in the event of a workplace death.

Workers Compensation covers broken bones, muscle tears, and sprains, as well as:

  • Chronic injuries like carpal tunnel syndrome.
  • Illnesses caused by the work environment.
  • Psychological or emotional damages (depending on the state).

There’s a good chance you need Workers Compensation if you’re a business owner. It’s required by law in most states. You could face fines and penalties if you don’t have it.

Contact your local Pekin Insurance agency to set up Workers Compensation Insurance for your business. It’s a big win-win for you and your employees.

Once you have Workers Compensation coverage, make sure to promptly report all claims.

Late reporting of workplace accidents and illnesses can:

  • Cause delays in treatment and affect an employee’s recovery.
  • Affect how we investigate claims and determine eligibility for benefits.
  • Lead to fines.
  • Cause an employee to get attorneys involved in the process.


Cost Containment Programs

Cost Containment Programs are designed to lessen some of the costs associated with Workers Compensation.

Here are the Cost Containment Programs we offer:

  • Bill review.
  • Pharmacy first fill and pharmacy review.
  • Diagnostics.
  • Durable medical equipment.
  • Telephonic and onsite full nurse case management.
  • Early return to work programs.
  • Transitional return to work options and vocational rehabilitation.


How Are Fraudulent Claims Handled?

Our staff uses predictive analytics to identify and manage fraudulent claims, and we work closely with the Pekin Insurance Special Investigations Unit (SIU).

The SIU investigates potential fraudulent activity and cooperates with local, state, and federal law enforcement to pursue and prosecute insurance fraudsters.


What to Do if You Suspect Fraud

Speak up if you suspect insurance fraud. You don’t need to give anyone your contact information when you do this.

Here are your fraud reporting options:

  • Call the National Insurance Crime Bureau (NICB) at 800-835-6422. This hotline is available Monday through Friday from 7:00 a.m. to 7:00 p.m. CST.
  • Use the NICB Fraud Tips app for your iOS or Android.
  • Fill out this form on the NICB website.

Pekin Insurance is a member of the NICB.


Workers Compensation Toolkits

Feel free to use these helpful resources.

PPO Network Locator for All States
Pharmacy Locator for All States


Arizona
Download Arizona Toolkit
Industrial Commission of Arizona

 

Illinois
Download Illinois Toolkit
Illinois Workers Compensation Commission

 

Indiana
Download Indiana Toolkit
Workers Compensation Board of Indiana


Iowa
Download Iowa Toolkit
Iowa Workforce Development

 

Wisconsin
Download Wisconsin Toolkit
Wisconsin Department of Workplace Development

 

Questions?

We’re here for you. Call us at 1-800-322-0160, Extension 2672, with your questions.

 

How to File a Claim

Call us at 1-888-735-4611 to report a Workers Compensation claim.

Call Toll-Free 1-800-322-0160