Understanding work-related injuries
Each state administers its own workers’ compensation program and has a statute that governs workers’ compensation, so coverage differs from state to state. Still, all states provide two types of workers’ compensation benefits. One pays the employee’s medical expenses that result from the work-related injury, and the other compensates the employee for lost wages while he or she is unable to return to work. Workers’ compensation pays for all reasonable and necessary medical expenses resulting from the work related injury. The Workers Compensation Claim process starts when a worker is injured on-the- job, and the employer is informed, the employer must inform the insurance company and state workers compensation about the incident in writing, after the employer has reported the incident he/she will receive notification to take the injury party to a doctor that provide medical care for the injury or illness. The healthcare provider is chosen by the employer or insurance carrier, if the employee for any reason refused to see the doctor chosen, there are chances the claim will not be paid, and the employee must find first aid or care for their injuries as-soon-as-possible. Everyone involved have a responsibility to make sure all the necessary steps are followed in filing a claim to ensure that the injured employee get care, and the employer is covered from all mishaps just in case something goes wrong with the workers compensation claim. When a claim is filed and accepted by the workers compensation committee which authorizes benefit payments to be paid by the employer, within thirty days the claim an award is issued or the claim is placed before a hearing to be contested or further reviewed, the next step is the benefit phase for accepted claims, this involved medical treatment and pay compensation for loss of pay. The benefits could be paid voluntarily or through entitlement contest. The workers...
PP. 425-427 in CH.13 of Medical Insurance
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