Developing plans to document processes in workers' compensation and coordinating closely with injured employees can help human resource managers curtail costs in workers' comp, said Margaret Spence of Douglas Claims & Risk Consultants. "Don't give employees the opportunity to say, 'I didn't know what to do.' Tell them what we expect and how we expect it. Even in states where you don't get to pick the doctor the employee sees, we still get to create the policy around how the employee operates in our workplace," Spence said.

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