Workers Compensation 101

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Workers Compensation 101"

Transcription

1 Workers Compensation 101 Terminology, Concepts and Principles Melissa LeRoy VP Sales Specialty Risk Services

2 Definition Workers Compensation State-mandated, employer-provided provided coverage in all 50 states. Most are compulsory compliance. Covers employee s s economic losses due to work related injury or disease Provides employer with liability protection from being sued for work- related conditions

3 Terminology Exclusive Remedy Employer gives benefits in return for protection from being sued by the employee Similar to a no-fault approach to workplace injuries and accidents Does not apply if employer is fraudulent, negligent, assaults the employee, or is not acting as an employer

4 Terminology Compensability - Determining if benefits are owed based on state statutes, case law and facts of the case Course and Scope Horseplay Personal errand Deviation Traveling employees Arising out of the Employment Accident and defined occurrence Idiopathic injuries But for doctrines

5 Terminology Compensability Occupational Disease Illness due to prolonged exposure to chemicals or other environmental factors Cumulative Trauma No clear or defined accidental occurrence Gradual onset of symptoms Injury sustained over time due to repetitive activity such as pushing and pulling, lifting or bending Pervasive in many industries from manufacturing to office environments

6 Terminology Statute of Limitations Legally specified timeframe during which an action must be taken to be subject to regulatory requirements Notify the employer Seek medical care Submit a claim File suit

7 Terminology Apportionment and Second Injury Funds Allows the employer to take credit or seek reimbursement of claim costs where the employee had prior injury or disability. Pre-existing existing injury or condition impairs recovery Must be documented through medical records and in some cases recorded at the time of hire

8 Terminology Subrogation A third party may be deemed responsible for the accident or injury Auto accidents Slips and falls on property maintained by others Assault by co-workers or others Injury due to defective machinery or equipment WC payor may pursue reimbursement of some or all costs related to that claim

9 Who is covered? All employees or contractors Receiving pay for services Where employment is expressed (orally or written) or implied (by actions) Where contractors activities, methods and equipment are controlled by employer Full and Part Time

10 What is Covered? Bodily injury, disease, or death manifesting itself from covered on-the-job occurrences Bodily injury may be construed to include stress or psychiatric conditions in some states

11 WC Benefit Types Temporary Disability (TD) Total (TTD) Partial (TPD) Wage calculations based on average earnings State defined minimum and maximum Total typically paid at 66 2/3% Partial paid at loss of earnings Tax Exempt

12 WC Benefit Types Permanent Disability Total (PTD) Lifetime benefits May offset with Social Security or other disability benefits Partial (PPD) Scheduled Amputation, loss of limb Percentage of Impairment Doctor s s ratings Death Burial Payments to spouse and/or dependents

13 What is Covered? Medical Directed Care and Choice of Physician Medical Fee Schedules Utilization and Pre-Certification rules Treatment limitations

14 What is Covered? Vocational Rehabilitation May be state funded or employer funded Generally specifies how long or to what dollar amount will be paid

15 How claims are resolved Each State has rules related to when an employee is considered stable, cured or at Maximum Medical Improvement Some states allow for full and final settlements Some states require lifetime medical Employee may be permitted to re-open a claim if they aggravate the injury or experience a worsening of their condition

INTRODUCTION GENERAL INFORMATION

INTRODUCTION GENERAL INFORMATION Workers Compensation Benefits Summary For dates of injury occurring on or after July 1, 2013 through June 30, 2014 Employment Relations Division Department of Labor and Industry PO Box 8011 Helena, MT

More information

What Happens After I Report the Injury?

What Happens After I Report the Injury? Introduction The Iowa Workers Compensation Act provides the only legal remedy against their employer for workers who are injured on the job. Workers Compensation law can be very technical. The law is administered

More information

GEORGIA WORKERS COMPENSATION BASICS Michael Memberg Ken David & Associates, LLC

GEORGIA WORKERS COMPENSATION BASICS Michael Memberg Ken David & Associates, LLC This article presents general guidelines for Georgia nonprofit organizations as of the date written and should not be construed as legal advice. Always consult an attorney to address your particular situation.

More information

Your Rights Under the Missouri Workers Compensation Law

Your Rights Under the Missouri Workers Compensation Law Your Rights Under the Missouri Workers Compensation Law All states have workers compensation laws. The Missouri Workers Compensation Law is contained in Chapter 287 of the Revised Statutes of Missouri.

More information

WORKERS COMPENSATION IN RHODE ISLAND A SUMMARY OF THE LAW

WORKERS COMPENSATION IN RHODE ISLAND A SUMMARY OF THE LAW WORKERS COMPENSATION IN RHODE ISLAND A SUMMARY OF THE LAW PREPARED BY ATTORNEY GARY J. LEVINE 369 SOUTH MAIN STREET PROVIDENCE, RI 09203 401-521-3100 www.workerscompri.com TABLE OF CONTENTS INJURIES COVERED

More information

Workers Compensation and Seniors

Workers Compensation and Seniors Chapter 10 Workers Compensation and Seniors Gregory B. Cairns, Esq. Cairns & Associates, P.C. SYNOPSIS 10-1. Workers Compensation 10-2. Benefits Available 10-3. Filing a Workers Compensation Claim 10-4.

More information

GEORGIA WORKERS' COMPENSATION Explanation of Basic Procedures

GEORGIA WORKERS' COMPENSATION Explanation of Basic Procedures 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

More information

INJURED ON THE JOB? A SUMMARY OF THE RIGHTS AND BENEFITS AVAILABLE TO INJURED WORKERS UNDER ILLINOIS LAW

INJURED ON THE JOB? A SUMMARY OF THE RIGHTS AND BENEFITS AVAILABLE TO INJURED WORKERS UNDER ILLINOIS LAW INJURED ON THE JOB? A SUMMARY OF THE RIGHTS AND BENEFITS AVAILABLE TO INJURED WORKERS UNDER ILLINOIS LAW Law Offices ANESI, OZMON, RODIN, NOVAK & KOHEN, LTD 161 NORTH CLARK STREET AT RANDOLPH 21ST FLOOR

More information

Legislative Update. legal challenge to new law. significant changes to oklahoma work comp

Legislative Update. legal challenge to new law. significant changes to oklahoma work comp Quality Insight for Your Industry Legislative Update significant changes to oklahoma work comp Since our last Legislative Update on the new Workers' Compensation system in Oklahoma, the NCCI filed a 12.9%

More information

C L A I M S M A N A G E M E N T & M I T I G A T I O N - W O R K I N J U R I E S I N T H E T R U C K I N G I N D U S T R Y M a y 6, 2 0 1 5

C L A I M S M A N A G E M E N T & M I T I G A T I O N - W O R K I N J U R I E S I N T H E T R U C K I N G I N D U S T R Y M a y 6, 2 0 1 5 C L A I M S M A N A G E M E N T & M I T I G A T I O N - W O R K I N J U R I E S I N T H E T R U C K I N G I N D U S T R Y M a y 6, 2 0 1 5 T H E D E A D L I E S T J O B S S T AG G E R I N G N U M B E

More information

Guide for Injured Workers

Guide for Injured Workers Guide for Injured Workers This is a guide to Oklahoma workers' compensation law and rules. It is based on laws and rules in effect in 2015. Laws and rules can change by acts of the Legislature, rulemaking

More information

Georgia Workers Comp Basics: Non-Profits are Employers, Too. Michael E. Memberg, Esq. September 19, 2012

Georgia Workers Comp Basics: Non-Profits are Employers, Too. Michael E. Memberg, Esq. September 19, 2012 Georgia Workers Comp Basics: Non-Profits are Employers, Too Michael E. Memberg, Esq. September 19, 2012 Mission of Pro Bono Partnership of Atlanta: To provide free legal assistance to community-based nonprofits

More information

YOUR WORKERS COMPENSATION BENEFITS

YOUR WORKERS COMPENSATION BENEFITS YOUR WORKERS COMPENSATION BENEFITS 1 I M INJURED. NOW WHAT? No one ever plans to get hurt on the job. But when an unfortunate incident occurs, Montana State Fund (MSF) and your employer want to make sure

More information

Quick Guide to Workers Compensation

Quick Guide to Workers Compensation Quick Guide to Workers Compensation What Is Workers Compensation Insurance? Workers compensation insurance covers businesses for their statutory and legal obligations for employee expenses that are a direct

More information

The ACCG Claims Office staff is here to help you. Please feel free to call us with your questions and concerns.

The ACCG Claims Office staff is here to help you. Please feel free to call us with your questions and concerns. 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

More information

ILLINOIS WORKERS COMPENSATION COMMISSION HANDBOOK OCCUPATIONAL DISEASES AND FOR INJURIES AND ILLNESSES BEFORE 2/1/06

ILLINOIS WORKERS COMPENSATION COMMISSION HANDBOOK OCCUPATIONAL DISEASES AND FOR INJURIES AND ILLNESSES BEFORE 2/1/06 ILLINOIS WORKERS COMPENSATION COMMISSION HANDBOOK ON WORKERS COMPENSATION AND OCCUPATIONAL DISEASES FOR INJURIES AND ILLNESSES BEFORE 2/1/06 ILLINOIS WORKERS COMPENSATION COMMISSION Note: On January 1,

More information

Revised May 2015. What Is Workers Compensation?

Revised May 2015. What Is Workers Compensation? This pamphlet provides an overview of the workers compensation system in the State of New Hampshire, including what is covered by workers compensation, what benefits are available, and what you should

More information

Coordination of Worker s Compensation Benefits

Coordination of Worker s Compensation Benefits Coordination of Worker s Compensation Benefits Richard Swanson MACEY SWANSON AND ALLMAN June 9, 2011 Temporary Total Disability (TTD) These are weekly benefits paid to an employee when the employee is:

More information

ADVANCED WORKERS COMPENSATION

ADVANCED WORKERS COMPENSATION ADVANCED WORKERS COMPENSATION Presented by Carol Cast Manager, Public Resource Section Workers Compensation Division Discussion Recap of Basics A few points to remember Concerns for Employers Horseplay

More information

INTRODUCTION GENERAL INFORMATION

INTRODUCTION GENERAL INFORMATION Workers Compensation Benefits Summary For dates of injury occurring on or after July 1, 2010 through June 30, 2011 Employment Relations Division Department of Labor and Industry PO Box 8011 Helena,MT 59604-8011

More information

Workers' Compensation in Oklahoma Employee s Rights & Responsibilities

Workers' Compensation in Oklahoma Employee s Rights & Responsibilities Workers' Compensation in Oklahoma Employee s Rights & Responsibilities The information provided in this pamphlet is general in nature and for informational purposes only. It is not intended to be a legal

More information

Workers' Compensation in Oklahoma Employee s Rights & Responsibilities

Workers' Compensation in Oklahoma Employee s Rights & Responsibilities Workers' Compensation in Oklahoma Employee s Rights & Responsibilities Workers Compensation Court Counselor Program 1915 N. Stiles Avenue, Oklahoma City, OK 73105 210 Kerr State Office Bldg., 440 S. Houston,

More information

Comparative Review of Workers Compensation Systems in Select Jurisdictions SASKATCHEWAN

Comparative Review of Workers Compensation Systems in Select Jurisdictions SASKATCHEWAN of Workers Compensation Systems in Select Jurisdictions JURISDICTION: SASKATCHEWAN ENVIRONMENT Population Size Labour Force Demographic and Economic Indicators 1,015,600 (1995, Stats Canada) 494,000 (1995,

More information

CHAPTER 1. Wyoming Workers Compensation. Workers Compensation Programs Benefit Injured Workers and Employers

CHAPTER 1. Wyoming Workers Compensation. Workers Compensation Programs Benefit Injured Workers and Employers CHAPTER 1 Wyoming Workers Compensation Workers Compensation Programs Benefit Injured Workers and Employers Injured workers receive medical and lost wage benefits, regardless of fault. Employers receive

More information

Quick Guide to Workers Compensation for Small Business

Quick Guide to Workers Compensation for Small Business Quick Guide to Workers Compensation for Small Business Do I Need Workers Compensation Coverage? Generally speaking, businesses must obtain workers compensation coverage if they have employees that are

More information

OKLAHOMA WORKERS COMPENSATION

OKLAHOMA WORKERS COMPENSATION OKLAHOMA WORKERS COMPENSATION I. JURISDICTION - 85 O.S. Supp. 2001, 4 A. Act will apply where: 1. Injuries received and occupational diseases contracted in Oklahoma. 2. Contract of employment made in Oklahoma

More information

SOUTH CAROLINA BAR. Workers Compensation and the Law

SOUTH CAROLINA BAR. Workers Compensation and the Law SOUTH CAROLINA BAR Workers Compensation and the Law WORKERS COMPENSATION The South Carolina Workers Compensation Act provides a system for workers injured on the on the job to receive medical care and

More information

Benefits Guide. Information for the Injured Worker

Benefits Guide. Information for the Injured Worker Benefits Guide Information for the Injured Worker The purpose of this benefits guide is to help you learn what to expect if you ever need workers compensation benefits. Recovering from a work injury can

More information

Controlling WWWWoer Workers Compensation Claims

Controlling WWWWoer Workers Compensation Claims Premiums paid here, stay here to keep Wisconsin strong. Controlling WWWWoer Workers Compensation Claims Presented By: Sheila K. McGraw Director of Claims To The: Wisconsin Towns Associations Annual Convention

More information

FILING WORKERS COMPENSATION CLAIMS IN IDAHO

FILING WORKERS COMPENSATION CLAIMS IN IDAHO Claims contact information First Report of Injury forms ReportClaim@IdahoSIF.org General e-mail ClaimsIM@IdahoSIF.org FILING WORKERS COMPENSATION CLAIMS IN IDAHO Provider inquiries 208-332-2169 or 800-334-2370

More information

2013 Nuts & Bolts Seminar Coralville

2013 Nuts & Bolts Seminar Coralville 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

More information

A GUIDE TO INDIANA WORKER S COMPENSATION

A GUIDE TO INDIANA WORKER S COMPENSATION A GUIDE TO INDIANA WORKER S COMPENSATION 2004 EDITION MACEY SWANSON AND ALLMAN 445 North Pennsylvania Street Suite 401 Indianapolis, IN 46204-1800 Phone: (317) 637-2345 Fax: (317) 637-2369 A GUIDE TO INDIANA

More information

Guide. to Recovery Under The Illinois Workers Compensation Act. The Injured Employee s

Guide. to Recovery Under The Illinois Workers Compensation Act. The Injured Employee s The Injured Employee s Guide to Recovery Under The Illinois Workers Compensation Act Prepared By: Romanucci & Blandin, LLC 33 North LaSalle Street, 20th Floor Chicago, Illinois 60602 Toll Free: 888.458.1145

More information

GEORGIA STATE BOARD OF WORKERS COMPENSATION EMPLOYEE HANDBOOK

GEORGIA STATE BOARD OF WORKERS COMPENSATION EMPLOYEE HANDBOOK GEORGIA STATE BOARD OF WORKERS COMPENSATION EMPLOYEE HANDBOOK Please be aware that the Workers Compensation Law, Rules and Regulations are subject to change on July 1st of each year. If you have any questions

More information

Workers Compensation Informational Materials and Filing Overview

Workers Compensation Informational Materials and Filing Overview Workers Compensation Informational Materials and Filing Overview Call 911, as applicable, and/or seek medical attention as necessary. Report the incident to the supervisor/department. The supervisor/department

More information

Handbook on Workers Compensation & Occupational Diseases

Handbook on Workers Compensation & Occupational Diseases Handbook on Workers Compensation & Occupational Diseases Presented by: Park District Risk Management Agency P.O. Box 4320 Wheaton, IL 60189-4320 (630) 769-0332 (630) 769-0445 (fax) Illinois Workers Compensation

More information

Provided By AdvisorNet Benefits Workers Compensation Employee Benefits

Provided By AdvisorNet Benefits Workers Compensation Employee Benefits Provided By AdvisorNet Workers Compensation Employee Minnesota s workers compensation laws determine the benefits available to employees who are injured in the course and scope of employment. An injury

More information

Workers Compensation. Inside this Brief. Background Brief on. History in Oregon 1990 Reforms. 1995 Reforms. Management-Labor Advisory Committee

Workers Compensation. Inside this Brief. Background Brief on. History in Oregon 1990 Reforms. 1995 Reforms. Management-Labor Advisory Committee Background Brief on September 2012 Inside this Brief History in Oregon 1990 Reforms 1995 Reforms Management-Labor Advisory Committee Claims Process Medical Service Providers Fatality Benefits Staff and

More information

An Employee s Guide to the Missouri Workers Compensation System

An Employee s Guide to the Missouri Workers Compensation System 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

More information

FactsforWorkers.com A Legal Information Resource for Workers provided by Hedberg & Boulton, P.C.

FactsforWorkers.com A Legal Information Resource for Workers provided by Hedberg & Boulton, P.C. FactsforWorkers.com A Legal Information Resource for Workers provided by Hedberg & Boulton, P.C. Iowa Workers Compensation Law Fast Facts An Overview on Work-Related Injuries for Iowa Workers What is Workers

More information

Virginia Workers Compensation Guide. January 2016

Virginia Workers Compensation Guide. January 2016 Virginia Workers Compensation Guide January 2016 Compensability Basics I. What is an Injury-by-Accident? An accident is an event which occurs and is not expected by the person to whom it happens. An injury

More information

Workers Compensation and Employers Liability (Lecture 13)

Workers Compensation and Employers Liability (Lecture 13) Workers Compensation and Employers Liability (Lecture 13) Overview of Lecture 13 (Chapter 9, CPCU 4) I. Introduction II. III. IV. Employers Liability Under Common Law State Workers Compensation Laws Workers

More information

Workers Compensation Information & Guidelines. Table of Contents

Workers Compensation Information & Guidelines. Table of Contents Workers Compensation Information & Guidelines Table of Contents Purpose Page 2 Summary Page 2 Coverage Page 2 Eligibility Page 2 Injury Defined Page 3 Benefits Available Page 3 Temporary Disability Page

More information

Workers Compensation and Employers Liability

Workers Compensation and Employers Liability Workers Compensation and Employers Liability Overview of Chapter 9, CPCU 4 I. Introduction II. III. IV. Employers Liability Under Common Law State Workers Compensation Laws Workers Compensation and Employers

More information

UNDERSTANDING WORKERS COMPENSATION

UNDERSTANDING WORKERS COMPENSATION 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

More information

Workers Compensation The Clock is Ticking. Wednesday September 23, 2015 Monterey, California. Workers Compensation: The Clock is Ticking

Workers Compensation The Clock is Ticking. Wednesday September 23, 2015 Monterey, California. Workers Compensation: The Clock is Ticking Workers Compensation The Clock is Ticking Wednesday September 23, 2015 Monterey, California Debbie Yokota SDRMA Claims Manager Presented by Dorienne Zumwalt York Risk Services Group What we will cover

More information

2011 Changes to Kansas Workers Compensation Act

2011 Changes to Kansas Workers Compensation Act On April 18, 2011, Kansas Governor Sam Brownback signed a new law changing the workers compensation system. (H.B. 2134) amends the Workers Compensation Act (KSA Sec. 44-501, et seq.) by changing Sections

More information

NUTS & BOLTS OF OHIO S WORKERS COMPENSATION SYSTEM

NUTS & BOLTS OF OHIO S WORKERS COMPENSATION SYSTEM NUTS & BOLTS OF OHIO S WORKERS COMPENSATION SYSTEM It is neither charity, nor pension, nor indemnity, nor insurance, nor wages, though, if a definition of each and all of these terms were placed in parallel

More information

Introduction to Workers Compensation. Bar Association of Montgomery County Workers Compensation Section. March 12, 2015

Introduction to Workers Compensation. Bar Association of Montgomery County Workers Compensation Section. March 12, 2015 Introduction to Workers Compensation Bar Association of Montgomery County Workers Compensation Section March 12, 2015 Presented by: Will Inman, Section Co-Chair Meiselman, Salzer, Inman & Kaminow, P.C.

More information

WORKERS COMP 101. Presented by: PGCS/PRU & PGIT

WORKERS COMP 101. Presented by: PGCS/PRU & PGIT WORKERS COMP 101 Presented by: PGCS/PRU & PGIT Discussion Employee Assistance and Ombudsman The Injured Worker The Employer The Insurance Carrier Treating Physician(s) Benefits Calming Claims Light Duty

More information

ANATOMY OF AN OKLAHOMA OPT OUT BENEFIT PLAN

ANATOMY OF AN OKLAHOMA OPT OUT BENEFIT PLAN ANATOMY OF AN OKLAHOMA OPT OUT BENEFIT PLAN A comparison of injured workers benefits and rights under traditional Oklahoma workers compensation and Opt Out plans authorized by the Oklahoma Injury Benefit

More information

OKLAHOMA WORKERS COMPENSATION UPDATE OKLAHOMA SENATE BILL 1062

OKLAHOMA WORKERS COMPENSATION UPDATE OKLAHOMA SENATE BILL 1062 OKLAHOMA WORKERS COMPENSATION UPDATE OKLAHOMA SENATE BILL 1062 In May 2013 the Oklahoma Legislature passed Senate Bill 1062 and Governor Fallin signed a new Workers' Compensation Bill into Law. The Bill

More information

OVERVIEW OF OHIO WORKERS COMPENSATION AND RELATED AREAS OF LAW October 24, 2012

OVERVIEW OF OHIO WORKERS COMPENSATION AND RELATED AREAS OF LAW October 24, 2012 OVERVIEW OF OHIO WORKERS COMPENSATION AND RELATED AREAS OF LAW October 24, 2012 GREGORY BELLMAN, ESQ. Attorney At Law 1726 Young Street Cincinnati, Ohio 45202 Office No.: (513) 621-2260 Fax No.: (513)

More information

Report ALL on-the-job injuries to

Report ALL on-the-job injuries to 1817 N. Stewart Street, Suite 20 Carson City, NV 89706 Phone: 775-283-0040 Toll Free: 888-873-4234 Fax: 775-283-0035 Report ALL on-the-job injuries to Tri-Odyssey Risk Management Department Phone: 775-283-0040

More information

Worker s Compensation Terminology Quick Reference Guide

Worker s Compensation Terminology Quick Reference Guide Worker s Compensation Terminology Quick Reference Guide American Medical Association (AMA): It is a professional association intended for the promotion of best practices, uniform standards and peer review.

More information

SUBROGATION AND REIMBURSEMENT ACKNOWLEDGEMENT

SUBROGATION AND REIMBURSEMENT ACKNOWLEDGEMENT SUBROGATION AND REIMBURSEMENT ACKNOWLEDGEMENT I acknowledge receipt of a copy of the attached Subrogation and Reimbursement provisions contained in the Operating Engineers Local #49 Health and Welfare

More information

Important Information

Important Information 16 An Employee s Guide to the South Dakota Workers Compensation System Division of Labor and Management Phone: (605) 773-3681 www.sdjobs.org Department of Labor and Regulation 700 Governors Drive Pierre,

More information

Workers Compensation Employee Benefits

Workers Compensation Employee Benefits Provided By The Holmes Organisation Workers Compensation Employee The Florida Workers Compensation Law (FWCL) regulates the determination and payment of benefits for injured employees in the state. An

More information

Guide to On-the-Job Injuries

Guide to On-the-Job Injuries Guide to On-the-Job Injuries in the United States I got hurt on the job. What can I do? If you are hurt on the job you have a right to workers compensation benefits. You have a right to workers compensation

More information

DEFENSE BASE ACT PROGRAM

DEFENSE BASE ACT PROGRAM DEFENSE BASE ACT PROGRAM Thank you for your recent request for information on the Defense Base Act Insurance. We hope that the following summary will aid you in understanding DBA coverage. Rutherfoord

More information

WORKERS COMPENSATION ORKERS OMPENSATION: INJURY

WORKERS COMPENSATION ORKERS OMPENSATION: INJURY WORKERS ORKERS COMPENSATION OMPENSATION: WHAT TO DO IN CASE OF AN ON-THE THE-JOB INJURY In general the purpose of the North Carolina Workers Compensation Act, N.C. G.S. 97-1 et. seq., is to put in place

More information

A GUIDE TO THE BENEFITS PROVIDED BY THE ILLINOIS WORKERS COMPENSATION ACT

A GUIDE TO THE BENEFITS PROVIDED BY THE ILLINOIS WORKERS COMPENSATION ACT A GUIDE TO THE BENEFITS PROVIDED BY THE ILLINOIS WORKERS COMPENSATION ACT INTRODUCTION The information contained in this booklet is an overview of benefits provided by the Illinois Workers Compensation

More information

Current Workers Compensation Law Compared to the 2013 Workers Compensation Reform Act

Current Workers Compensation Law Compared to the 2013 Workers Compensation Reform Act Current Workers Compensation Law Compared to the 2013 Workers Compensation Reform Act Area Addressed Current Law Reform Act Workers Compensation Division The Division of Workers Compensation operates under

More information

Washington State Labor & Industries Workers Compensation at Hanford

Washington State Labor & Industries Workers Compensation at Hanford Washington State Labor & Industries Workers Compensation at Hanford Hanford Site Points of Contact : Patty Hicks, Penser, Third Party Administrator 509-420-7290 Juli Yamauchi, DOE, Program Manager for

More information

1 2011 Bullard&Associates, P.C.

1 2011 Bullard&Associates, P.C. An Overview of the 2011 Workers Compensation Code Presented by Bullard & Associates, P.C. SECTION 302: Intentional Act Defines intentional tort as a willful, deliberate, specific intent of employer to

More information

THE ILLINOIS WORKERS COMPENSATION ACT

THE ILLINOIS WORKERS COMPENSATION ACT THE ILLINOIS WORKERS COMPENSATION ACT Frequently Asked Questions Phone: 312.977.0100 800.922.4500 Fax: 312.977.0795 www.healylawfirm.com www.illinoistruckingaccidents.com 111 WEST WASHINGTON STREET SUITE

More information

Rules, Regulations and Fee Schedules of the Wyoming Workers Safety and Compensation Division

Rules, Regulations and Fee Schedules of the Wyoming Workers Safety and Compensation Division CHAPTER 7 - BENEFITS Section 1. (a) Awards of Compensation. Computation of Disability Awards. (i) Procedure for Determining Temporary Total Disability(TTD). (A) Temporary wage rate is computed as follows:

More information

Key Provisions of Tennessee Senate Bill 200 Effective July 1, 2014, through July 1, 2016

Key Provisions of Tennessee Senate Bill 200 Effective July 1, 2014, through July 1, 2016 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

More information

Also known as Wage Loss. Calculated as AWW (subject to statutory min/max) minus current earnings, multiplied by 2/3.

Also known as Wage Loss. Calculated as AWW (subject to statutory min/max) minus current earnings, multiplied by 2/3. Workers Compensation Claim Workers Compensation Benefit Overview California Major Developments: Last major legislation in 2004 (SB899), affected indemnity rates, disability rating, medical treatment, medical-legal

More information

Indemnity Issues. Workers Compensation Benefits Overview - California. Temporary Total Benefits

Indemnity Issues. Workers Compensation Benefits Overview - California. Temporary Total Benefits Major Developments: Last major legislation in 2004 (SB899), affected indemnity rates, disability rating, medical treatment, medical-legal disputes, penalties, and apportionment. 2007 legislation affects

More information

Workers Compensation

Workers Compensation INFORMATION BRIEF Minnesota House of Representatives Research Department 600 State Office Building St. Paul, MN 55155 December 1998 Linda Holmes, Legislative Analyst (651) 296-5059 Workers Compensation

More information

National Business Group on Health DATA DICTIONARY. Workers Compensation

National Business Group on Health DATA DICTIONARY. Workers Compensation National Business Group on Health DATA DICTIONARY Workers Compensation EMPAQ Workers Compensation (WC) Metrics Metric Calculation Annual Claim Incidence per 100 FTEs Total Number of New WC Indemnity Claims

More information

CLAIMS A basic understanding

CLAIMS A basic understanding CLAIMS A basic understanding Samantha L. Boggess, CWCP Director of Claims Services, OIC Reporting a Claim Who is responsible? Injured Employee/Claimant 2 WV Code 23-4-1a Report of Injuries by Employee

More information

UNIVERSITY SYSTEM OF MARYLAND

UNIVERSITY SYSTEM OF MARYLAND UNIVERSITY SYSTEM OF MARYLAND II-2.32 POLICY ON ACCIDENT LEAVE FOR FACULTY (Approved by the Board of Regents, June 21, 2013) I. PURPOSE AND SCOPE This policy governs Accident Leave for Faculty in compliance

More information

Workers Compensation Insurance

Workers Compensation Insurance Workers Compensation Insurance EMPLOYERS FREQUENTLY ASKED QUESTIONS INTRODUCTION This information is intended to provide employers with a basic overview of the workers compensation system in Arizona. The

More information

Provided By Heath Benefit Partners Workers Compensation Employee Benefits

Provided By Heath Benefit Partners Workers Compensation Employee Benefits Provided By Heath Benefit Partners Workers Compensation Employee Workers compensation laws in California regulate the determination and payment of benefits for employees injured in the course of employment.

More information

We thank you for your business, and look forward to providing you with the necessary protection and care for your business and employees.

We thank you for your business, and look forward to providing you with the necessary protection and care for your business and employees. RE: Workers Compensation Claims Kit Dear Policyholder: Welcome to the Workers Compensation Insurance Program offered through Tower Group Companies. While we hope that your company never experiences a workers

More information

Workers Compensation Supervisor s Manual

Workers Compensation Supervisor s Manual Workers Compensation Supervisor s Manual The following materials were prepared for the use of employers and their claims administrators in the general administration of their workers compensation programs.

More information

Workers' Compensation Insurance, Crime Insurance, Commercial Umbrella Liability, and Bonds

Workers' Compensation Insurance, Crime Insurance, Commercial Umbrella Liability, and Bonds Workers' Compensation Insurance, Crime Insurance, Commercial Umbrella Liability, and Bonds A. Workers Compensation Laws (a.k.a. State Industrial) can be monopolistic and compulsory (required) in some states.

More information

Cooper Hurley Injury Lawyers

Cooper Hurley Injury Lawyers Cooper Hurley Injury Lawyers 2014 Granby Street, Suite 200 Norfolk, VA, 23517 (757) 455-0077 (866) 455-6657 (Toll Free) YOUR RIGHTS WHEN YOU ARE INJURED ON THE RAILROAD Cooper Hurley Injury Lawyers 2014

More information

Construction Accident

Construction Accident Do You Have a Case? Construction Accident ebooklet Mark Fryman 201 South 3rd Street Logansport, IN 46947 P: (574) 722-6676 www.starrausten.com Disclaimer No attempt is made to establish an attorney-client

More information

SECTION I WHAT TO DO WHEN INJURED ON THE JOB

SECTION I WHAT TO DO WHEN INJURED ON THE JOB SECTION I WHAT TO DO WHEN INJURED ON THE JOB This booklet is designed to give you general information concerning your rights when injured on the job. The following sections of this booklet outline the

More information

DISABILITY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS

DISABILITY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS DISABILITY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) SECTION 4 LONG TERM DISABILITY (LTD) PROGRAM Effective July 1, 2015 Disclaimer If there is any conflict in interpretation between the FAQ

More information

Comparative Review of Workers Compensation Systems in Select Jurisdictions PRINCE EDWARD ISLAND

Comparative Review of Workers Compensation Systems in Select Jurisdictions PRINCE EDWARD ISLAND of Workers Compensation Systems in Select Jurisdictions JURISDICTION: PRINCE EDWARD ISLAND ENVIRONMENT Population Size Labour Force Demographic and Economic Indicators 136,100 (1995, Stats Canada) 69,000

More information

Customer Workers Compensation Benefit Overview

Customer Workers Compensation Benefit Overview Customer Workers Compensation Benefit Overview OREGON INDEMNITY ISSUES Temporary Total Benefits Temporary Partial Benefits Permanent Partial Benefits Permanent Total Benefits Workers injured on or after

More information

An employee s guide to the Minnesota workers compensation system

An employee s guide to the Minnesota workers compensation system Minnesota Department of Labor and Industry Workers Compensation Division P.O. Box 64221 St. Paul, MN 55164-0221 An employee s guide to the Minnesota workers compensation system Workers Compensation Division

More information

INTERNATIONAL CLAIMS GUIDE SUMMARY

INTERNATIONAL CLAIMS GUIDE SUMMARY INTERNATIONAL CLAIMS GUIDE SUMMARY The following information is a summary of the major elements of coverage provided by the various International Travel insurance policies and programs provided to the

More information

Employer s Handbook. Workers Compensation

Employer s Handbook. Workers Compensation Employer s Handbook Workers Compensation Workers Compensation 101 Table of Contents Contact Information. 3 What is Workers Compensation?... 4-5 What is your role?... 6-7 Workers Compensation Benefits 8-9

More information

INJURED AT WORK? WHAT DO I DO? Helpful tips for workers injured on the job. Toll Free: 1-800-603-4723 Direct: (816) 453-7764 Fax: (816) 455-6011

INJURED AT WORK? WHAT DO I DO? Helpful tips for workers injured on the job. Toll Free: 1-800-603-4723 Direct: (816) 453-7764 Fax: (816) 455-6011 INJURED AT WORK? WHAT DO I DO? Helpful tips for workers injured on the job. Josh Perkins, Attorney at Law Spooner & Spooner, P.C. Toll Free: 1-800-603-4723 Direct: (816) 453-7764 Fax: (816) 455-6011 Email:

More information

Minnesota Workers Compensation Quick Reference Guide

Minnesota Workers Compensation Quick Reference Guide Minnesota Workers Compensation Quick Reference Guide www.hansendordell.com (651) 482-8900 (800) 994-6056 FAX (651) 482-8909 3900 Northwoods Drive Suite 250 St. Paul, MN 55112 GENERAL BACKGROUND MN WC AT

More information

Arkansas Workers Compensation Questions & Answers

Arkansas Workers Compensation Questions & Answers 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

More information

WORKERS COMPENSATION & YOUR RIGHTS

WORKERS COMPENSATION & YOUR RIGHTS WORKERS COMPENSATION & YOUR RIGHTS 655 Florida Grove Road Mailing Address P.O. Box 760 Woodbridge, NJ 07095 (732) 324-7600 GILL & CHAMAS Raymond A. Gill, Jr.* Peter Chamas* James Pagliuca Michael J. Hanus

More information

COLORADO DEPARTMENT OF LABOR & EMPLOYMENT. Division of Workers Compensation EMPLOYEE S GUIDE

COLORADO DEPARTMENT OF LABOR & EMPLOYMENT. Division of Workers Compensation EMPLOYEE S GUIDE COLORADO DEPARTMENT OF LABOR & EMPLOYMENT Division of Workers Compensation EMPLOYEE S GUIDE August 2014 THE INFORMATION IN THIS BOOKLET IS INTENDED TO BE GENERAL INFORMATION ON THE COLORADO WORKERS COMPENSATION

More information

Comparative Review of Workers' Compensation Systems in Select Jurisdictions

Comparative Review of Workers' Compensation Systems in Select Jurisdictions of Workers' Compensation Systems in Select Jurisdictions JURISDICTION: WASHINGTON ENVIRONMENT Population Size 5.5 million in 1996. Labor Force 2.8 million in 1996. Demographic and Economic Indicators The

More information

Rights & Obligations under the Nebraska Workers Compensation Law

Rights & Obligations under the Nebraska Workers Compensation Law Nebraska Workers Compensation Court Information Sheet: Rights & Obligations under the Nebraska Workers Compensation Law NEBRASKA WORKERS COMPENSATION COURT OFFICIAL SEAL What is workers compensation? Workers

More information

RIGHT Lawyers. Stacy Rocheleau, Esq. Gary Thompson, Esq.

RIGHT Lawyers. Stacy Rocheleau, Esq. Gary Thompson, Esq. rightlawyers.com RIGHT Lawyers Right Lawyers has successfully represented numerous clients in the areas of car accidents, work injuries, and slip and falls. The goal of this guide is to provide you answers

More information

An employee s guide to the Minnesota workers compensation system

An employee s guide to the Minnesota workers compensation system An employee s guide to the Minnesota workers compensation system Workers Compensation Division P.O. Box 64221, St. Paul, MN 55164-0221 (651) 284-5005 1-800-342-5354 www.dli.mn.gov/workcomp.asp Minnesota

More information

Welcome to the West Virginia Workers Compensation Webinars!

Welcome to the West Virginia Workers Compensation Webinars! Welcome to the West Virginia Workers Compensation Webinars! Workers Compensation Benefits West Virginia OFFICES OF THE INSURANCE COMMISSIONER June 13, 2008 Compensability In order for an injury to be compensable

More information

Workers Compensation 101. Dave Young EMC Insurance Companies

Workers Compensation 101. Dave Young EMC Insurance Companies Workers Compensation 101 Dave Young EMC Insurance Companies Outline I. Brief history of Workers Compensation Insurance II. What does Workers Compensation do? III. Calculation of the Workers Compensation

More information

Overview of the Income Benefit Structure in the Texas Workers Compensation System. Texas Department of Insurance, Division of Workers Compensation

Overview of the Income Benefit Structure in the Texas Workers Compensation System. Texas Department of Insurance, Division of Workers Compensation Overview of the Income Benefit Structure in the Texas Workers Compensation System Texas Department of Insurance, Division of Workers Compensation 1 Workers' compensation will provide benefits if: The injury

More information