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Stressed BusinessmanOne benefit you can request your Georgia business insurance policy to include is coverage for employees who may need to enter substance abuse treatment facilities. Substance abuse in the workplace is a pervasive problem. The Hazelden Foundation reports that more than 60% of adults surveyed nationwide said they know people who have gone to work under the influence of drugs or alcohol.

Not only do employees who abuse drugs and alcohol call in sick and show up late for work more frequently, they also are less productive on the job. Additionally, these employees are more prone to becoming injured on the job. And the most serious risk of keeping a substance abuser on the payroll is that the employee could be more prone to make a mistake that leads to injury or death.

Dealing with an employee's substance abuse problem isn't something to procrastinate about. The moment you become aware there's a problem, it's time to act.

Call The Employee In For A Private Meeting

As soon as you suspect an employee is abusing drugs or alcohol, you should confront the individual in private. Be caring, yet direct. Prepare for this meeting by gathering a list of resources to share with the employee and printing out a copy of your business' substance abuse policy. Explain that if he or she does not seek help, you will be forced to consider terminating their employment.

Talk To Your Lawyer

Dealing with an employee who abuses drugs or alcohol can be a slippery slope from a legal perspective. State employment laws vary; in some cases you cannot legally terminate employees the moment you discover they have a substance abuse problem. You also need to make sure you're protected if an employee under the influence causes an accident, injury, or property damage while on the job.

Review Your Insurance Coverage

If you discover that a valued employee is struggling with drug or alcohol addiction, your insurance policy may cover a portion of the cost of in-patient or out-patient treatment facilities. In some cases, addiction is treated using prescription medications – your insurance policy may or may not cover these. Find out exactly what your insurance does and doesn't cover, so you can help your employee determine his or her treatment options.

If you're not sure you have this coverage or wish to add it, call Fleming & Riles Insurance at (800) 833-4379 or reach out to us online. We'll help you understand your policy and your options.
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