"Medical treatment" is the response by professional medical personnel to serious injuries and illnesses like puncture wounds, fractures, infections, second- and third-degree burns, and other injuries that require more than one-time treatment or observation. Quick and convenient medical care might make a critical difference in saving lost work time--or in saving a life. Implementing a process to ensure immediate treatment may reduce absenteeism, save money on health insurance and workers' compensation insurance premiums, avoid fines, and forestall lawsuits. Employers should ensure the ready availability of medical personnel for advice and consultation.