Grant's Blog

My blogs tend to be about what I am working on or helping with durring the week. 
Insurance topics, Salesmanship Systems to help with your business are just a few topics. 

Central Counties DHIA Dairy Herd Improvement Association

04/21/2010 06:36 PM

Central Counties DHIS Dairy Herd Improvement Association Award Dinner! 

Presenting Presenting the GDI Insurance Award for the herd of 576 to 692 cows with the highest herd average to Gabriel Machado Dairy!  Last night at the Central Counties Dairy Herd

Christine Hackler General Manager, and Margo Sousa of Circle H Dairy with Grant.

I would add that as I have gotten involved with the dairymen and women in this organization I find some stong similarities between them and other groups of business owners that are striving to improve their products, and do it is a green manner.  I have been delighted to learn first hand from my friends here what the issues are running dairy's, and taking responsibility for their stewardship of the land, and care for the animals they have been entrusted with.  Thank you for helping me learn more, I have to say insuring a dairy is a lot easier than running one!

Angelini's Turlock, CA Grant Votes Best Chipino

03/28/2010 12:03 AM

Ive had chipino everywhere from San Fran, to Maryland,.  Still my favorite for over 25 years now!  I know who would think that 100 miles from the Ocean we have the best chipino?  But we do! 

When To Report A Workers Comp Claim, Grant Davis GDI

03/12/2010 10:52 PM

Reporting Workers' Compensation Claims

Workers' compensation laws are often misunderstood because they can vary significantly between states. So if your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of what state your company resides in, the first two days after an employee gets injured on the job are always the most important.

It is important to act quickly and take action immediately for legal reasons, but also because studies show that the faster you initiate the workers compensation process after an injury, the lower the ultimate cost of your claims. On top of that, waiting more than 48 hours after an incident occurs gives the injured party and witnesses time to forget crucial details about what happened. It also means employees' recollections may become skewed from opinions of outside parties, like an attorney, or from talking to one another.

You can help protect your company and save money by taking the following steps in the 48 hours after an employee reports an injury:
- Refer employee for medical attention
o If the injury is an emergency, seek immediate care for the employee. All state workers' compensation laws allow the employee to see any doctor in an urgent situation. If the circumstance is not an emergency, refer the employee to a medical provider within your company's network.
o Never prevent an employee from getting medical attention, even if you feel the injury is not serious.
- Perform an assessment or accident investigation
o Visit the place where the injury occurred and makes notes of the surrounding environment. Speak with employees who witnessed the event or who work in close proximity to where the incident occurred.
o Be thorough, and also be sure to gather consistent information for all incidents. It is important to begin this investigation within the first 48 hours so that details of the accident or injury are fresh in the mind of employees.
- Immediately ensure the injury or accident will not happen again
o After investigating the site, take the necessary steps to make certain the incident will not occur again. For example, block off the area in question if there looks to be a spill or other unsafe situation.
- Report the injury
o According to the department of labor, several reports must be generated when an injury occurs in the workplace. Complete a First Report of Injury or Occupational Disease form as required by your state workers' compensation law. The incident should also be reported to the HR department, the employee's direct supervisor and the medical provider who saw or treated the employee.
o Report the incident objectively - do not skew information gathered from the scene or from witnesses in any way, even if your preliminary instincts tell you the claim is not legitimate.
- Inform employee about company policies on returning to work
o Not only is it crucial to review work restrictions and leave procedures, but it is also imperative that you inform the employee about the possibility of transitional-duty jobs that would suit their needs during the injury recovery period.
- Submit the workers' compensation claim
o This is also an important step to complete quickly because your insurance provider could give you valuable information about medical care, make timely payments and begin his own investigation into the incident as necessary.

In addition to these points, make sure you become familiar with the workers' compensation laws in your state(s) of operation. Your state's workers' compensation board will help you stay in compliance with the legal timelines in effect in your state which will ultimately help save your company money. ◊