Be Ready for 2027
A workers compensation policy is one of the most important protections a dental practice carries, yet it is often reviewed only at renewal or after a claim. A periodic review helps ensure your workers compensation policy reflects how your practice operates today. Here are five questions worth asking.
- Is every team member classified correctly under your workers compensation policy?
Part-time assistants, front desk staff, and associates are often where confusion begins. An associate treated as an independent contractor may still be considered an employee for coverage purposes. Accurate classification helps your workers compensation policy respond as intended and reduces the likelihood of audit adjustments.
- Does your team know what to do in the first 24 hours after an injury?
Consider a team member who is hurt on a Tuesday afternoon. Who do they notify, who files the report and which provider do they see? Timely reporting is important to how a claim under your workers compensation policy is managed. A simple written procedure, shared with your team in advance, supports a smoother process.
- Does your reported payroll match your current operations?
Premiums for a workers compensation policy are based on payroll and job classifications, and both are verified at audit. If hours, roles, or headcount have changed during the year, your policy may no longer reflect your practice. A mid-year review can help you avoid unexpected premium adjustments.
- Is there a modified duty plan in place?
Imagine a dental assistant recovering from a back strain who cannot work chairside but can support sterilization or patient follow up. A return-to-work plan can help a team member recover while limiting lost time, which may positively influence claim costs under your workers compensation policy.
- Are you addressing injuries that develop over time?
Not every injury happens in a single moment. Neck, shoulder, and wrist strain from repetitive procedures is common in dental offices and is covered by a workers compensation policy. Proper loupes, adjustable operator stools, and scheduled breaks between patients can help reduce risk and support long term comfort for your team.
Want a second set of eyes?
If any of these questions made you pause, we are happy to look at your current coverage and talk through it. No pressure, just a conversation. Reach out anytime at the information below.
Call Elizabeth Holmen with R.K. Tongue, (410) 752 – 4012, eholmen@rktongue.com
