Workers’ Compensation.

HEMIC’s Large Deductible Program is available for employers who have the capacity to self-insure a portion of their workers' compensation and would like the benefit of HEMIC’s expertise in claims, safety and risk management services. 

A large deductible program can provide employers with greater control over their workers’ compensation program and greater incentive for risk management and loss prevention, resulting in reduced workers' compensation costs over the long-term. 

HEMIC offers a range of deductible options, from $15,000 to $1,000,000 per occurrence, in line with NCCI’s Rating Values. Optional aggregate limits are also available, to cap the employer’s financial risk. 

HEMIC’s Nurse Triage Program is free-of-charge to our policyholders. We know the first moments when an employee is hurt on the job are critical. However, not every employee or manager knows what to do. Having the immediate support of a triage nurse can make a difference in the outcome, with positive impacts for both the injured worker and the employer.

The triage nurse:

• Draws on triage algorithms, evidence-based protocols and professional expertise to provide quality guidance to the injured worker
• Offers medical expertise, clinical experience and critical thinking to assess the work-related injury and recommend the appropriate level of care
• Makes recommendations for next steps such as first aid, visits to an occupational clinic, a physician, urgent care or the emergency room
• Assists in completing and filing the Employer’s Report of Injury (WC-1) form

Using HEMIC’s Nurse Triage Program can help to better manage medical care and improve medical outcomes by preventing delays in treatment and ensuring quality care. It can decrease unnecessary costs and result in less time off from work and on temporary disability.

All HEMIC policyholders have value-added, safety services available at no extra cost from our Safety & Risk Management Department. Our Safety consultants can help:

Save Money on Premium

• With ‘AePay, our pay-as-you-go program
• Qualify for our Safety Credit Program

Comply with OSHA

• Develop and customize a workplace safety program based on your industry
• Provide on-site consultations and walkthroughs including hazard and exposure assessments/surveys
• Assist with OSHA standards and safety requirements
• Perform injury and illness trend analysis

Establish Workplace Programs

• Discuss the value of and assist in developing a Return-to-Work Program
• Answer questions about drug testing and help institute a Drug-Free Workplace Program

Training, Presentations and Resources

• Conduct safety training and provide materials specific and relevant to your business
• Provide Pathway to Safety seminar and webinar series
• Provide Safety Video Library and Safety Resource Center website

Our goal is to help customers create and maintain a safer workplace and establish a culture of safety. Working together in a meaningful and collaborative way, we can help make safety an integral part of daily business.

With ‘AePay, policyholders can easily report payroll and pay as they go.

‘AePay integrates with payroll services, like ADP and QuickBooks, and automatically deducts premium payments from the policyholder’s bank account based on actual payroll wages. This helps manage cashflow and minimizes audit variances at the end of the year. No down payment or deposit is required.