Employers | Frequently Asked Questions

Ask the employee to specify where they are having difficulty. If possible, make appropriate changes to accommodate his or her current physical abilities. If the injured employee continues to have problems performing the work, send a job description with the problem task(s) to the employee’s physician. Instruct the employee to return to the physician to address these concerns. Then call your Summit claims adjuster to keep him/her updated.

You may not terminate an employee in retaliation for filing a workers’ compensation claim. If employment issues arise (other than those related to the injury) during transitional duty, you should follow your company guidelines regarding disciplinary action, up to and including termination. Make sure to document the reasons and to notify your Summit claims adjuster of your actions. Be sure to check with your business attorney regarding these employee termination issues.

Your experience modification factor, or mod, is developed by measuring the difference between your company’s actual claims and the expected claims for your category of business. One of the benefits of a return-to-work program is that you can affect the premiums you pay by controlling claim costs. Therefore, it is possible that a return-to-work program may reduce your mod over time.

Over time, the reduction in the payments of lost-time benefits and medical costs could positively impact the calculation of your experience mod, which can reduce your premium cost.

Yes. We do require that our policyholders immediately report every injury. Please let us know upon reporting if the injured employee received medical treatment.

We need this information quickly to calculate and provide the correct benefits for the injured employee. Until we receive this information, we are paying an estimated benefit amount, which may result in an over-payment or underpayment to your injured employee.

Some health-care providers in our network offer telemedicine for workers’ comp appointments, and we support and encourage these services. The Find a Medical Provider tool indicates telemedicine availability in some provider listings. To confirm if a provider offers telemedicine, please contact the provider directly. Learn about some of the benefits of telemedicine.

Please notify your adjuster and send a copy of the child support order to avoid any missed child support payments. 

Providing light duty is an important way to help your injured employee and save on costs. Back2work®, Summit’s return-to-work program, offers the tools you need. Learn about return to work.

Please notify your adjuster as soon as possible forward the bill to them.

Services available to insured businesses include: 

• Assistance with developing safety and drug-free workplace programs 
• Professional safety assessments designed to identify hazards 
• Industry-specific safety training 
• Analysis of your company’s losses to identify trends and determine corrective actions 
• Back2work^®, Summit’s return-to-work program that helps you develop a plan for your business 

Yes, as a policyholder, you have access to a library of Online Safety Training Videos which can be a great training resource for both new and tenured employees. 

View available safety posters (some available in Spanish and/or Haitian Creole). For required federal and state postings, please check your state guidelines.

No. There is no additional fee for using this service.

No special software is needed. However, we do recommend that you update your web browser to the latest version, delete any browser bookmarks and clear your internet cache when accessing the service for the first time.

You will need a personal or corporate checking or savings account, and you will need to provide a valid routing transit and account number. You will also need a secure login for our Business Center.  

Yes. If you would like to be set up for recurring and/or advance payments, so you don’t need to worry about missing a payment. To sign up for electronic funds transfer (EFT), contact Customer Care at 1-800-282-7648.  

Yes, payment confirmation will be emailed to you from [email protected].

Your payment may take up to two business days to post to your account. The funds may be deducted from your bank account as early as the next business day. Payments made after 7:30 p.m. ET may take up to two business days to be deducted. Please contact your financial institution for additional information.

If you have already submitted your payment and need to make changes, please contact Customer Care at 1-800-282-7648 during our normal business hours 8:00 a.m. to 5:00 p.m. ET. If the payment was submitted that same day, Customer Service will be able to void the payment before 5:00 p.m.

No, an online payment can be applied toward only one policy.