1 Health lh Care Provider Reimbursement Under Michigan s Workers Compensation System Marcus W. Campbell MAHAP October 25, 2013
2 The materials and information have been prepared p for informational purposes p only. This is not legal advice, nor intended to create or constitute a lawyer client relationship. Before acting on the basis of any information or material, readers who have specific questions or problems should consult their lawyer. 2
3 Health Plan Issues No-Fault Issues SlfP Self Pay Issues In Custody Cases Attorney Liens Bankruptcy Estates Workers Comp
4 MI Workers Compensation System What does the Workers Compensation (WC) system provide to injured workers? Wage loss benefits. Payment of medical bills. Job retraining and placement services. Weird Little World There are little things that you can do to maximize your WC reimbursement.
5 Workers Compensation (WC) What type of medical bills are covered by the workers compensation system? Medical treatment must be for a work related condition (i.e., compensable injury). All reasonable and necessary medical, surgical, and hospital services are covered (MCL ). Provider must be recognized by the laws of the state Provider must be recognized by the laws of the state of Michigan (i.e., state licensed).
6 WC - Medical Bills Are there any laws that cover how medical bills should be paid under the WC system? Workers Compensation Agency (WCA) Health Care Services Rules. R (Rule 101 Rule 1504) WCA Health Care Services Division ,00.html gov/wca/ html
7 Is it Work-Related? To be covered by WC, the patient must: Have sustained a personal injury or occupational disease arising out of and in the course of employment. ment Fairly broad coverage. If the patient indicates that he/she believes the injury occurred at work, or if the patient s pain or other symptoms occurred at work, WC should be investigated as a potential payment source for the patient s bills. WC is primary insurance coverage. Be aware Patients sometimes think that their injury is workrelated but they are wrong. 7
8 Common WC Coverage Issues Normal travel to and from work Not covered by WC. Potential exceptions Company cars, travel during working hours, employer er derived ed a special benefit from the travel. Parking lots Injuries in employer parking lots before or after work are covered by WC. Exceptions Injuries that occur too long before or after an employee s shift will not be covered. 8
9 Common WC Coverage Issues Injuries occurring on the employer s premises Usually covered by WC. Exceptions Intentional misconduct, severe horseplay, drug/alcohol impairment, social or recreational activities at work. Crilly v Ballou Young men throwing shingles at each other Covered by WC. Petrie v GMC Climbing on desks and equipment as a joke, touched an electrically charged rail Not covered by WC. 9
10 Common WC Coverage Issues Injuries occurring while driving for an employer Usually covered by WC. If an auto accident occurs in the course of employment, WC is responsible for all medical bills. WC is primary; no fault is secondary. Obtain information on both WC and no fault, if possible. 10
11 Common WC Coverage Issues Non work related medical condition, symptoms manifest at work Probably not covered by WC. Idiopathic fll fall cases Diabetic seizure, collapse at work, severe head injuries Not work related. Exception When employment poy e tpacesa places an employee poyeein a position of increased risk of injury. Diabetic seizure while driving, auto accident causes severe injuries Injury is work related. related. 11
12 Common WC Coverage Issues Pre existing medical conditions Usually not covered by WC. Exception If employment aggravates a pre existing injury, WC is responsible. Increased easedpain and other symptoms s is not enough. There emust be evidence of an injury that is medically distinguishable from the pre existing injury. Must show that the pathology of the underlying condition has changed. Normal progression of the injury or disease will not be covered. Work activities must have caused a medically distinguishable change. 12
13 Information to Obtain from Patients SSN Name and address of employer Name of WC carrier Date of injury Facts about how the patient t was injured Claim number, adjuster contact information Name of patient s attorney Health insurance information 13
14 Information to Obtain from Patients If it is WC, should I get the patient s health insurance information? Yes. It might not actually be WC. Patients often think it is a WC injury, and they end up being wrong. Get health insurance information up front, so we can timely bill health insurance if WC denies. 14
15 Communication Communication between patient registration personnel and billing/reimbursement personnel is critical. If possible, patient registration personnel and billing/reimbursement personnel should be able to access and share information with one another. 15
16 How Much Does The WC Carrier Have To Pay? In general, WC medical bills are paid three different ways: 1. Fee Schedule hdl (i.e., reimbursement by procedure code) (Practitioners / Pro fees Rules ). 2. Ratio Method (Hospital Facilities Rule 1015). 3. By Report no assigned value; a written description of services is needed (nursing homes, county medical care facilities, i hospice, long term care facilities, ambulance, home health). Cost Containment payment in full is rare.
17 Common WC Reimbursement Problems 1. Carrier does not respond to bill. Be persistent get names get numbers make a detailed record of all communications with the carrier. Submit claims via certified mail. Resubmit claim after 30 days. 2. Coding problems. CPT 2013; Medicare National Level II Codes. Work with carrier and WC Health Care Services Division.
18 Common WC Reimbursement Problems 3. No payment because claim is in litigation or claim is controverted. Protect your rights as a health h care provider. Get your own attorney if charges justify it. The patient s attorney is not your attorney, and may not have your best interests in mind.
19 Common WC Reimbursement Problems Warning! Watch out for cases in litigation. Do not assume the patient s attorney will get the ptiet patient s outstanding t medical bills paid. Do not let a WC case get settled out from under you. Do not be the only health care provider taking the hit in the case.
20 Common WC Reimbursement Problems 4. Do I have to pay the patient s attorney 30% for recovering payment for my medical bills? No. Petersen v Magna Corp, 484 Mich 300; 773 NW2d 564 (2009). Amicus brief for the Michigan Health and Hospital Association.
21 Common WC Reimbursement Problems 5. Carrier rejects implant charges until you provide an invoice for the implant. Recon Tell carrier only FOSFs have to provide invoices for their implants under Rule 1023(5). Provide a detailed description of the implant and demand proper reimbursement (i.e., ratio for facilities).
22 Common WC Reimbursement Problems 6. Carrier rejects entire claim stating no claim on record, no record of injury, no injury reported for this employee ee / employer. er Communicate with patient Attempt to get WC claim filed with the carrier. File your own claim with the carrier Form WC 117H Provider s Report of Claim & Request for Medical Payment.
23 Form WC-117H
24 Common WC Reimbursement Problems 7. The WCA told me I cannot bill the patient until the WC case is resolved. Absolutely l incorrect. The patient can and should ldbe bll billed, unless there is a specific order stating that the bill must be paid by the carrier. No balance billing the patient, if the WC carrier made the required WC payment. Rejected charges can be individually billed to patient.
25 Common WC Reimbursement Problems 8. Incorrect reimbursement Carriers often simply calculate your reimbursement incorrectly. Do not just accept the carrier s payment, and assume it is correct under WC. Sometimes using an incorrect ratio will trim thousands of dollars off your reimbursement. Sometimes when you bring the error to the carrier s attention, they will fix it.
26 Common WC Reimbursement Problems 9. Improper network contractual (Cofinity / Beech Street, etc.) reductions by the carrier. Your network contract might allow a participating ii i carrier to take an additional discount off the WC payment it might not allow it. Carriers routinely take unjustified or incorrect network contract reductions. Most of the improper reductions are too high. You likely have appeal rights under your contract! Be aware of your contractual rights.
27 Common WC Reimbursement Problems 10. Can I bill health insurance, because the patient says not to because its WC? Yes. Bill all potential payers we can always refund. No voluntary health refunds until WC money is in the account. Watch out! Health insurance take backs, electronic credits, payment recapture. Medicaid One year deadline Do not accept Medicaid s lower reimbursement when WC should pay.
28 Common WC Reimbursement Problems 11. Does a WC carrier have to pay a late fee if it takes a long time to pay? Yes 3%. Bill carrier properly certified mail. No response in 30 days bill carrier again; add 3% late fee to billing form; certified mail. No response for 30 days file Form 104B and demand late fee.
29 Common WC Reimbursement Problems 12. Audits Requests for Settlement Beware of Genex Services, Inc., Fairpay Solutions, and other similar entities. Attempting to get you to accept a lower amount than you are entitled to receive. Often promise prompt payment in return. Contractual settlement agreements. Even if you are entitled to more under WC, if you agree to take less you are stuck with it.
30 Common WC Reimbursement Problems 13. Reductions based on Ingenix Guidelines or Fairpay Solutions Review. Ingenix, Fairpay Solutions = Unfair reimbursement. For most medical treatment, WC sets the amount that must be paid. Any reduction below that WC ratio/fee schedule should be protested.
31 Common WC Reimbursement Problems 14. Down Coding Carrier pays according to the procedure code that it thinks should apply to the services. Some carriers automatically down code certain procedure codes. Saves $$. Protest down coding If we coded it correctly, we should get paid correctly.
32 Form 104B What action can providers take to protect their right to payment under the Workers Disability Compensation Act? Form WC 104B. Mediation with Health Care Services. Decision by a Magistrate.
33 Form WC-104B
34 WC Reimbursement Tips 1. Information is key At intake: SSN, DOI, facts about injury (how did it occur?), employer name, attorney name (if any), case status. 2. Persistence Multiple recons, frequent contact with patient and carrier, be the squeaky wheel. 3. Bill everyone We can refund later; no refunds until WC actually pays. 4. Protect your right to proper WC reimbursement Health care providers have rights in the WC system. Get your own attorney if the charges justify it.
35 When Do I Contact Miller Johnson? When you have received improper payments from the WC carrier. When a patient has an attorney. When a claim is in litigation Get your own attorney. (General rule $5,000+ balance) General questions You do not need to formally refer every account. Sometimes you just need some informal advice. Please do not hesitate to call us.
36 Marcus W. Campbell Calder Plaza Building 250 Monroe Ave. NW Suite 800 Grand Rapids, MI Radisson Plaza Building 100 West Michigan Avenue Suite 200 Kalamazoo, MI
Why Learn About No-Fault? MVA? PIP, OOP, MACP, ERISA, COB, SOL and Other Acronyms You Need to Know A Presentation for MAHAP Mt. Pleasant, Michigan March 20, 2015 Robert E. Dice, Jr., Esq. Dice Law PLLC
Why Learn About No-Fault? Michigan No-Fault Law: What You Don t Know Can Hurt You Third Party Payer Day Mt. Pleasant, Michigan October 30, 2015 Robert E. Dice, Jr., Esq. Dice Law PLLC 25925 Telegraph Rd.
Policy and Procedures for Recoupment & Coordination of Benefits: Workers Compensation Payment Effective Date: September 1, 2013 I. Authority A. The James Zadroga 9/11 Health and Compensation Act of 2010
Michigan No Fault Law Essential Knowledge for Hospital and Medical Office Personnel Why Learn About No-Fault? A Presentation for Third Party Payer Day Mt. Pleasant, Michigan November 21, 2014 Robert E.
Your Roadmap to Maximize Your Settlement!!! Helpful tips to get the most money for your injuries. The Advocates Driggs, Bills and Day PC (801) 355 5550 www.utahadvocates.com 1 Table of Contents: Introduction:
NC WORKERS COMPENSATION: BASIC INFORMATION FOR MEDICAL PROVIDERS CURRENT AS OF APRIL 1, 2010 I. INFORMATION SOURCES Where is information available for medical providers treating patients with injuries/conditions
Table of Contents 1. What should I do when the other driver s insurance company contacts me?... 1 2. Who should be paying my medical bills from a car accident injury?... 2 3. What should I do after the
Policy and Procedures for Recoupment & Coordination of Benefits: Workers Compensation Payment Effective Date: September 1, 2013 Effective Date for Section 32 Agreements: October 1, 2013 Revised: December
The Workers' Compensation Handbook // 1 WORKERS COMPENSATION QUICK FACTS Workers Compensation Quick Facts contains general information about the workers compensation system in New Mexico, to provide employers
MAXIMIZE YOUR PERSONAL INJURY SETTLEMENT Part I: Find Insurance Coverage: Look at Accident Report & Write Letters People injured in a car accident in Florida should easily be able to locate car insurance
CLAIM FORM REQUIREMENTS When billing for services, please pay attention to the following points: Submit claims on a current CMS 1500 or UB04 form. Please include the following information: 1. Patient s
STATE OF GEORGIA ATTORNEY-CLIENT WORKERS COMPENSTATION FEE CONTRACT AND AUTHORIZATION TO REPRESENT I,, with a Social Security Number of the undersigned, do hereby retain the Ramos Law Firm, LLC, located
A MEDICAL-LEGAL NEWSLETTER FOR PERSONAL INJURY ATTORNEYS BY DR. STEVEN W.SHAW Hospital Liens, Medicare and Medicaid: Trouble Ahead? Several years ago I was informed by an attorney that Danbury Hospital
Effective Registration of Workers Compensation and Motor Vehicle Accident Patients MAHAM Webinar January 25, 2013 Patrick McDonough, Director of Business Development ProMedical, LLC Introduction Who am
Self-Administration Toolkit for Workers Compensation Medicare Set-Aside Arrangements (WCMSAs) For WCMSAs Approved by the Centers for Medicare & Medicaid Services (CMS) Version 1.1 January 5, 2015 1 Table
Impediments to Settlement W. Bruce Barrickman, Esq. 5775 Glenridge Drive Suite E100 Atlanta, GA 30328 678-222-0248 www.bayadr.com IMPEDIMENTS TO SETTLEMENT W. Bruce Barrickman, Esq. Mediation is a great
Next Level Physical Therapy PC Patient Information First Name M.I. Last Name Date of Birth SS# (if minor, leave blank) Student? F/T P/T NO Street Address Billing Address (if different) City State Zip Home
Consumer Legal Guide Your Guide to Automobile Insurance and Accidents WHAT TYPES OF COVERAGES ARE AVAILABLE? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability
LIEN ON ME A Guide to Complying with Medicare s Secondary Payor Act and Pennsylvania s Act 44 April, 2009 HARRISBURG OFFICE P.O. Box 932 Harrisburg, PA 17106-0932 717-975-8114 PITTSBURGH OFFICE 525 William
Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 What You Need To Know About Workers Compensation HOW TO USE THIS GUIDE If you read this guide, you will discover
A Guide for the General Practitioner: Ethical Issues When Evaluating, Selecting and Handling Personal Injury Case I. Finding the Case: For the general practitioner of law, most personal injury claims come
The Michigan Auto Insurance Report The Inside Secrets To Buying Auto Insurance" By: Daniel L. Buckfire Michigan s No-Fault Insurance Lawyer Call Toll Free: (800) 606-1717 www.buckfirelaw.com www.freeautoinsurancereport.com
Arkansas Workers Compensation Questions & Answers What is Workers' Compensation? Arkansas' no-fault com pensation law was created by an initiated act in 1939 to guarantee prom pt, automatic benefits to
Learning How To Be Your Own Best Advocate The Impor tance of Medical Evidence in Personal Injur y Claims Managing Your Medical Treatment After An Accident By Chris Davis, Attorney at Law Davis Law Group,
MEDICAL BENEFITS CLASS ACTION SETTLEMENT NOTICE OF INTENT TO SUE Complete this form if you are a MEDICAL BENEFITS SETTLEMENT CLASS MEMBER seeking to exercise a BACK END LITIGATION OPTION. In addition to
Welcome to Spooner Physical Therapy! We understand that you have been injured in a motor vehicle accident or other 3 rd party responsible personal injury situation. It is our goal at Spooner Physical Therapy
Information for Worker s Compensation Clients Overview of the Worker s Compensation Act Indiana Worker s Compensation cases are governed by a State law known as the Worker s Compensation Act. The legislature
A. General Policy Workers Compensation Insurance Procedures Title 42, of the South Carolina Code of Laws contains the South Carolina Workers Compensation Act. The Rules and Regulations of the South Carolina
Joseph Ho, M.D. Sabrina Shue, M.D. Patient Information Name: M F Age: Last, First, Middle (Circle One) DOB: SSN: Single Married Divorced Separated Widowed Address: City: State: Zip: Home Phone: Cell: Work:
QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability
Administrative Code Title 23: Medicaid Part 306 Third Party Recovery Table of Contents Title 23: Division of Medicaid... 1 Part 306: Third Party Recovery... 1 Part 306 Chapter 1: Third Party Recovery...
Coverage Questions for Subcontractors, General Contractors, and Independent Contractors 1. Which employers must carry workers' compensation coverage? 418.115 (a) (b) (c) (d) (e) All private employers regularly
UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences
10 Things You Must Know Before You Find a H Seattle Injury Attorney www.seattleinjuryattorneyfaq.com 1 Should I get an attorney if I am in a car accident? If you have been hurt or have serious injuries,
,, and, WCA No.: PETITION FOR LUMP SUM PAYMENT RETURN TO WORK This form should be used for lump sums after return to work for 6 months, earning at least 80% of the pre-injury wage pursuant to 52-5-12(B).
2013 Nuts & Bolts Seminar Coralville LITIGATION TRACK Work Comp 101 2:30 pm.-3:30 p.m. Presented by Tim Semelroth RSH Legal 425 Second Street SE, Suite 1140 Cedar Rapids, Iowa 52401 Phone: 319-365-9200
AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS A STEP-BY-STEP GUIDE FOR HANDLING A VEHICLE PROPERTY DAMAGE CLAIM WITHOUT HIRING AN ATTORNEY. Not every car wreck results in an injury. In cases where an accident
This brochure was prepared by the Washington State Association for Justice (WSAJ) as a guide to help the citizens of Washington State understand their rights. Established in 1953, WSAJ represents attorneys
CHATUGE REGIONAL HOSPITAL AND NURSING HOME POLICY AND PROCEDURE FINANCIAL ASSISTANCE POLICY PURPOSE: It shall be the policy of Chatuge Regional Hospital, Inc. to establish a standard to determine the financial
An Employee s Guide to the Missouri Workers Compensation System Missouri Department of Labor and Industrial Relations Division of Workers Compensation Important Information You may want to put names and
Medicare Secondary Payer (MSP) NCHFMA 2014 1 Disclaimer The information provided in this presentation was current as of 1/10/2014. Any changes or new information superseding the information in this presentation
Co Payment Policy According to the regulations of individual insurance carriers, patients are responsible for paying co payments at the time of each office visit. PAYMENT POLICY FOR SERVICES RENDERED If
CITY COUNTY INSURANCE SERVICES TRUST WORKERS' COMPENSATION COVERAGE AGREEMENT Various provisions of this agreement restrict coverage. Read the entire coverage agreement carefully to determine rights, duties,
QUESTIONS YOU SHOULD ASK THE INSURANCE ADJUSTER By Michael A. Schafer, Attorney at Law 1218 S 3 rd St Louisville, Kentucky 40203 (502) 584-9511 www.mikeschaferlaw.com QUESTIONS YOU SHOULD ASK THE INSURANCE
Patient Account Services Patient Reference & Frequently Asked Questions Admissions Each time you present for a new medical service, a new account number will be assigned. You will be asked to pay any patient
Orthopedic Initial Questionnaire Name: Date: Height: Weight: In order to allow the therapist to have a better understanding of the nature of your injury and evaluate your condition fully, please complete
Buyer Beware Things To Know About Buying Car Insurance In Washington State By Christopher M. Davis, Attorney at Law Davis Law Group, P.S. 2101 Fourth Avenue Suite 630 Seattle, WA 98121 206-727-4000 Davis
MEDICARE AND WORKERS= COMPENSATION CLAIMS WHO=S ON FIRST? Michael E. Rusin January, 2002 Michael E. Rusin Rusin Maciorowski & Friedman, Ltd. 10 South Riverside Plaza, Suite 1530 Chicago, IL 60606 (312)
From Challenge to Reimbursement Successfully Collecting on Third Party Liability Accounts is No Accident TAHFA Roadshow -- February 12, 2016 1 Introduction The Challenges of Accident Accounts Specialized
APPENDIX A INJURY INFORMATION WORSHEET PATIENT INFORMATION Patient Name Contact Phone Today s DOB DOI HEALTH INSURANCE - PRIMARY Insurance Co. Name of Insured Benefits Phone# Insured SS# Insured DOB Policy
Instructions for Completing the Represented Settlement Agreement Please read all pages This form is fillable. That means you can type the information onto the form from your computer and print the form.
2014 Construction of Statute Definition of Injury (Causation) Revises Section 50-6-116, Construction of Chapter, to indicate that for dates of injury on or after July 1, 2014, the chapter should no longer
The Employers Guide to Pennsylvania s Workers Compensation Law Table of Contents About this Guide. 3 The Pennsylvania Workers Compensation Act: An Overview for the Pennsylvania Employer....4 Your Duties
Page 1 of 12 Claim Information Date of Accident Primary(Your Insurance) Company Phone # Property Claim # Personal Injury Claim # Personal Injury phone w/ Extension Personal Injury Fax # Mailing Address:
How to proceed after receiving a denial from Workers Compensation Step One: Review; then complete the Workers Compensation Notice. Step Two: A. If all of the items on the Workers Compensation Notice checklist
Surgical/ASC Claims Revenue Cycle Management: An Introduction to Our Processes and Protocols 200 Old Country Road, Suite 470 Mineola, NY 11501 Phone: 516-294-4118 Fax: 516-294-9268 www.businessdynamicslimited.com
No. 11-1197 ================================================================ In The Supreme Court of the United States --------------------------------- --------------------------------- VERNON HADDEN,
Property Damage Your physical recovery should be your top priority! Get your car out of storage immediately. Insurance companies do not reimburse for these costs. Work with the system to get your car repaired
Medical History Existing or Relevant Previous Conditions Allergies Yes No Dizzy Spells Yes No MRSA Yes No Anemia Yes No Emphysema/Bronchitis Yes No Multiple Sclerosis Yes No Anxiety Yes No Fibromyalgia
WC 00 00 00 A (Ed. 4-92) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY PLEASE READ THE POLICY CAREFULLY. QUICK REFERENCE BEGINNING ON PAGE INFORMATION PAGE GENERAL SECTION... 2 A. The Policy...
Personal Injury Claim Information Guide A step-by-step guide to your Compulsory Third Party (CTP) insurance claim Compulsory Third Party (CTP) Personal Injury Claim. Your recovery is important to us If
What You Need to Know about Michigan s Emergency Manager Law Calder Plaza Building 250 Monroe Ave NW, Suite 800 Grand Rapids, MI 49503-2250 Phone (616) 831-1700 Rose Street Market Building 303 North Rose
Frequently Asked Questions About Georgia Workers Compensation Ty Wilson Attorney At Law 1-866-937-5454 www.tywilsonlaw.com Special Report Frequently Asked Questions About Claims Special Report Ty Wilson
Jaworski Physical Therapy, Inc. Patient Name: Date: Private Health Insurance Name of Private Health Insurance: ID#: Group#: Cardholder Name: Cardholder Date of Birth: Relationship to Patient: Phone: Address
GEORGIA WORKERS' COMPENSATION Explanation of Basic Procedures A. Initiating Claim 1. Accident must arise out of, and in the course of, employment (O.C.G.A. 34-9-1). a. "Arising out of" means what the employee
WORKER S COMPENSATION OR NOT-THAT S THE QUESTION. Attorney Reed Noble has successfully handled Workers Compensation cases for clients since 1982. The North Carolina Worker's Compensation Act is designed
Personal Injury Claim Information Guide A step-by-step guide to your Compulsory Third Party (CTP) insurance claim AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance Compulsory Third Party (CTP)
Florida Workers Compensation Law A Summary For The Injured Worker Page 1 of 6 Introduction This pamphlet was written by Dennis A. Palso of the Law Office of Dennis A. Palso, P.A., an attorney who specializes
THINK PHYSICAL THERAPY PATIENT INFORMATION Please present your insurance card(s) for copying. Patient Name: Sex: Date of Birth: Age: Social Security Number: Employment Status: Marital Status: Emp Unemp
Orthopedic Initial Questionnaire Name: Height: Date: Weight: In order to allow the therapist to have a better understanding of the nature of your injury and evaluate your condition fully, please complete
email@example.com 24725 W. 12 Mile, Ste 230 Southfield, Mi 48034 CHANGES TO THE MICHIGAN WORKERS COMPENSATION STATUTE On December 19, 2011, Governor Rick Snyder signed into law a number of changes
MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.
WORK-RELATED INJURIES SPECIAL REPORT Dear Friend: If you have been involved in a work-related accident, there are a lot of things that you absolutely need to know. Workers compensation is a statutory right
SUBROGATION IN TEXAS What s fair about that? Maybe something finally! What is Subrogation? So what is unfair about that? They get their money back, right? Your health insurance policy has a subrogation
DENNIS A. PALSO workers compensation board certified DENNIS A. PALSO, P.A. ATTORNEYS AT LAW Gateway Pines Executive Park 710-94 th Avenue North Suite 309 St. Petersburg, Florida 33702 Telephone (727) 578-5911
Overview: Maximizing Recovery on Auto Claims and Legal Update A Presentation for the MAHAP General Session Mt. Pleasant, Michigan January 27, 2012 Robert E. Dice, Jr., Esq. Miller & Tischler, P.C. 26711
Patient Name: Last First Address City State Zip Phone# (C) (H) (W) Date of Birth Social Security# (REQUIRED FOR BILLING) If Patient is a Minor, a Parent s Name & Social Security# are Required Emergency
1 WELCOME This handbook contains information prepared by the Association County Commissioners of Georgia - Group Self-Insurance Workers Compensation Fund (ACCG - GSIWCF) to assist employees and management
NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL