10 tips & tools. to help you $ave on your workers comp insurance costs. Ask the Chesapeake Employers Attorneys - Questions on a Contested Claim

Size: px
Start display at page:

Download "10 tips & tools. to help you $ave on your workers comp insurance costs. Ask the Chesapeake Employers Attorneys - Questions on a Contested Claim"

Transcription

1 Helpful Guidance for Chesapeake Employers Policyholders & Maryland Employers Spring tips & tools to help you $ave on your workers comp insurance costs OSHA Haz Com Pictogram Pull Out Poster Inside (English & Spanish) Getting the Most Out of Your Agent Relationship Ask the Chesapeake Employers Attorneys - Questions on a Contested Claim Chesapeake Employers Receives A.M. Best Rating

2 President s Message Our New Name, Our Renewed Promise A company often marks a milestone anniversary with a major change, for the better. As we celebrate our 100th anniversary in 2014, we made an exciting change to our insurance organization, when, on Oct. 1, 2013, IWIF became Chesapeake Employers Insurance Company. Now, as a nonprofit, non-stock, private corporation, our mission continues to be providing Maryland businesses with a readily available source of workers compensation insurance that features high quality coverage and service at a fair price. Our new structure now protects the assets of the company for our policyholders and their injured workers. We are financially sound, Chesapeake Employers has never been stronger. I am proud to announce that for the first time in the history of the organization, we have been awarded an A- (Excellent) financial strength rating from the A.M. Best company. This is a tremendous accomplishment and reflects our efforts during the past decade to control operating and claims costs while building our required financial strength. We also promise to champion and promote a safe workplace throughout Maryland. Our expert safety specialists are a great resource for our customers. Their guidance, combining their know-how and philosophy of finding safety solutions, is a value added service that sets us apart from other insurance carriers. Our safety services, together with our claims management services, can help you control your workers comp costs. A safe business ultimately equals a profitable business. Workplace safety is not only the right thing to do for your business, it s the right thing to do for your employees. I can speak from personal experience how your life can change in an instant from an injury. Last Spring I was up on a ladder pruning a tree when I fell 15 feet, suffering a number of painful fractures. I am fortunate to have healed but I realize I could have been safer working up on the ladder. I tell this story because in an instant, a worker s life can change forever. Sometimes we can lose focus on the impact we have on others. We do not simply sell a work comp policy we provide the benefits and financial assurance to be there for an injured worker and his or her family should the need arise. As our new Chesapeake brand message reminds all working Marylanders, At the end of every workday, someone s waiting for your safe return. I join my fellow Chesapeake Employers professionals in thanking you for the opportunity to continue to serve your workers compensation insurance needs. Best regards for many safe returns, Tom Phelan, CPA, President and CEO

3 In Celebration & Appreciation Years of Serving Maryland Chesapeake Employers Honors 100 Longstanding Active Policyholders We celebrate these Maryland employers for the confidence they have placed with Chesapeake Employers, formerly IWIF. In recognition of our 100th anniversary and for their loyalty, we want to honor our 100 longest active customers. 96 Years TOWN OF RISING SUN MD 93 Years JOSEPH P FORSTER AND SON LLC 86 Years GARRETT COUNTY BOARD OF EDUCATION 79 Years TOWN OF LUKE MD TAYLOR S ANTIQUE MALL INC 78 Years CAPITAL CONSTRUCTION COMPANY INC DULKERIAN S PERSIAN RUG COMPANY INC 75 Years EMORY GROVE ASSOC OF BALTIMORE INC 73 Years CITY OF ANNAPOLIS HOUSING AUTHORITY 66 Years RIPPONS BROTHERS SEAFOOD INC 65 Years HAMILTON PRESBYTERIAN CHURCH OF BALT EASTERN SHORE NURSERIES INC KELLER S BAKERY INC 64 Years CITY OF CAMBRIDGE MD SINCELL PUBLISHING COMPANY INC CITY OF COLLEGE PARK MD 61 Years PIMLICO LOAN OFFICE INC 60 Years MORAN COAL COMPANY INC BARTON HOSE COMPANY NO 1 CHEM MET COMPANY TOWN OF HAMPSTEAD MD COOPER & LEHMANN LLP 59 Years FROSTBURG UNITED METHODIST CHURCH HERMAN BORN & SONS INC MARY J & DOMINIC J PISTORIO WALTER L BREWER INC 58 Years GOAD LUMBER COMPANY INC LEWIS BROTHERS INC WHALEN MOTOR SALES INC 57 Years PRICE S GROCERIES & SPIRITS CAROLINE COUNTY MD THE HARFORD ENGINEERING COMPANY INC. SHORE PAPER BOX COMPANY INC 56 Years THE EASTERN SALES & ENGINEERING CO 55 Years PAPER ALLIED INDUSTRIAL CHEMICAL GARDENHOUR ORCHARDS INC COURTESY PARKING SERVICES INC 53 Years KAY CEE CLUB CHARLES C. TIRSCHMAN PALLET CO 51 Years BELTSVILLE REFUSE SERVICE INC SPRINKLER FITTERS LOCAL Years WILLIAMSON S NURSERY INC TOWN OF BARTON MD LEE A PATTERSON & SON FUNERAL HOME PA 48 Years MARYLAND SPCA OF BALTIMORE CITY INC 47 Years FRIENDS STOCKYARD INC PERZYNSKI & FILAR FLORIST INC ACME LADDER & EQUIPMENT COMPANY 46 Years RIEDEL S FLOWERS INC LOWER SHORE ENTERPRISES INC LANGREHR ENTERPRISES INC 45 Years BRUZDZINSKI FUNERAL HOME PA THE POTOMAC HUNT INC THE NORTHWESTERN LOAN COMPANY 44 Years TOM S BAR CUSTOM LAWN SERVICE INC CROFTON CIVIC ASSOCIATION INC SCHMIDT FARMS INC 43 Years MIDWAY INN C E SHIRK LUMBER & FARM PRODUCTS INC PASADENA SKATING CENTER WHEEL AWHILE INC LAUREL SKATING CENTER LOEBLEIN MEMORIALS INC NORTHWEST INSURANCE AGENCY TOWN OF PRINCESS ANNE MD SAINTS STEPHEN & JAMES C.O. SMITH APIARIES A B C ROOFERS INC INTERNATIONAL UNION OF ELEVATORS MAN ALIVE RESEARCH INC PATRICK J SHEEHAN MD ANGEL HILL CEMETERY OF HARFORD COUNTY EDWIN M HENRY JR LLC 42 Years BLANTON ANTENNA SERVICE INC SEDWICK S TAX SERVICE INC C DANIEL HELD HOWARD WILLIAM HB PARKVILLE BAPTIST CHURCH TOWN & COUNTRY LIQUORS AMVETS VALLEY MEMORIAL POST NO 9 ERR INC LONG SCHOOL BUS SERVICES LLC THOMAS D MORRIS INC THE TEACHERS ASSOC. of BALTIMORE COUNTY TOWN OF PRESTON MD BRAEHALL TRANSPORTATION INC MAJORS TRANSPORATION JAMESWAY INC 41 Years REDMILES SERVICES INC GOLDBERG LIQUORS SNOW HILL DAIRY LTD NORTHEASTER SIGN INC GARVICKS FARMS INC KONSTANTINE & STEPHEN & PETER PREVAS ESQ 40 Years LAUREL BOTTLED GAS COMPANY INC 39 Years JOHN W MACKALL SR KERN REALTY & APPRAISING INC ANNIE R BUTLER CORLEY ROOFING & SHEET METAL CO INC Spring

4 Save Money on Your Work Comp Costs 10 Money-Saving Tips & Tools Overview of the best practices to help save money on your workers comp insurance 1 Adopt a safety culture A commitment to safety on the part of your company s senior management is the first and most important step you can take to reduce accidents and lower your workers compensation insurance premiums. Because a majority of injuries are caused by unsafe behaviors, it is essential for management at all levels, but especially top management, to commit to developing and maintaining a safe and healthy workplace for all employees. Adopting a safe workplace can have long-term benefits as well as short-term, because your company s three-year loss experience (or e-mod) can decrease as you increase the number of safety measures in your operation that may cause injuries and lost-time claims to decline. As your injuries and claims decline, so can your overall workers compensation insurance costs. Chesapeake Employers can help you create this all-important safety culture. Contact one of our safety specialists for a personal consultation at or go to and visit the Safety University section. 2 Set up a safety program Your safety program should be a comprehensive one involving not only program development but also risk assessment surveys, risk analyses, loss reviews, ergonomics assessments, training sessions, and educational materials. Your safety program should involve all employees in your organization and emphasize that working safely is a condition of employment in your organization. 3 Employ good hiring practices Attracting qualified employees is important for any business. A well-organized recruitment and hiring process will ensure a better fit for you and your newest employees, and it will take you one step closer to your goal of making your business a safer place to work. Your goal is to hire an all-star employee, not your next work comp claim. We encourage you to consult with your human resources and employment legal counsel for information on Effective Hiring Practices. 4 Establish a drug-free workplace According to the 2006 National Survey on Drug Use and Health, 74.9 percent of all adult illicit drug users are employed full or part time. In a 2007 Substance Abuse and Mental Health Services Administration (SAMHSA) report, it indicated the highest rates of current illicit drug use were among food service workers (17.4 percent) and construction workers (15.1 percent). However, drug abusers can be found in all types of occupations. Under current Maryland law Health-General *, employers may test their employees for drugs and alcohol for any legitimate business purpose. Develop and implement a written substance abuse policy and make job offers contingent on passing a pre-employment drug test. Your substance abuse policy could also include these types of tests; random testing, post-accident and reasonable cause or suspicion. *Note: Under (b)(2) - this does not apply to an employer that has entered into a collective bargaining agreement that prohibits the employer from using a preliminary screening procedure to test a job applicant for the use or abuse of any controlled dangerous substances. 4 Spring 2014

5 5 Supervisory training and accountability for safety Supervisors set the standard for behavior each day on the job by ensuring employees adhere to all company safety rules and regulations. Management and supervisor training should focus on how to manage safety effectively by using constructive feedback to produce long-term results. Job descriptions should include safety roles and responsibilities, and performance appraisals and salary increases and/or bonuses should be tied to safety performance as a way to measure safety responsibilities. 6 Schedule ongoing safety trainings Safety training is really the key to preventing work-related injuries. When properly trained, employees will know how to prevent accidents by following proper workplace safety procedures. And, companies are required by OSHA to provide safety training to their employees. Document all safety activities, including training sessions and meetings where safety is discussed, as proof of trainings attended. Chesapeake Employers offers safety training on a host of topics, as well as jobsite safety tip and training sheets for various industries. 7 Form an effective safety committee Your safety committee should be able to regularly evaluate workplace safety conditions and recommend changes that address the causes of injuries or worker safety and health concerns. It is also the safety committee s responsibility to perform scheduled safety audits and site inspections to check for compliance with OSHA safety standards, to correct violations, to create plans to avoid recurrences, and to follow up on corrections. 8 Establish a prompt injury reporting policy and procedures Prompt injury reporting is an important step in controlling the cost and duration of your workers comp claims. Early intervention in a claim helps ensure the best medical care for the injured worker. Reporting injuries early can also help reduce unnecessary attorney involvement and the potential for litigation later on. Develop procedures for supervisors and employees to report injuries immediately, preferably within 24 hours of the accident. Proactively develop relationships with local healthcare providers, doctors, occupational specialists, and urgent care facilities that can evaluate and treat employees quickly, and encourage your employees to use these providers if they should get injured. The sooner Chesapeake Employers knows of the injury, the faster we can review the case for a compensability determination and provide initial benefits to your injured employee. Furthermore, our statistics show the longer the delay in reporting an injury, the higher the costs. 9 Designate someone to coordinate all work comp claims It could be someone in HR or someone in Finance. Establishing a central location and contact person for all work comp claims gives you greater oversight and control over them. Your company needs a proactive claims representative to stay in contact with us on all aspects of the claim. 10 Establish a return-to-work program Developing a transitional-duty program is another opportunity to control costs. An effective early return-to-work program minimizes lost time and helps to lower medical and indemnity costs, resulting in savings on your workers compensation insurance. n Chesapeake Employers has the know-how to help you implement these 10 cost saving tips and tools. For more information go to safety-university or contact Spring

6 Ask the Chesapeake Employers professionals As Maryland s leader in workers compensation insurance, Chesapeake Employers professionals are here to help answer your questions. We also encourage you to contact your agent partner and to visit our website, for more frequently asked questions and answers. Employers Questions on a Contested Claim What happens when one of my employees claims he was injured on the job but I have concerns? Sometimes employers have concerns about the legitimacy of an accident that an employee insists happened at work. As with any work accident, you need to report this to Chesapeake Employers so an investigation by your claims adjuster can begin. Your concern may be related to the occurrence itself or to the injury/ies the employee says he sustained. There are many questions you can address: Did an accident really occur? Were there witnesses? Who did the employee first report the occurrence to and when? What exactly did he say occurred? Did the employee complete the Employee Report of Injury? Is it the same thing he told his supervisor? Did the supervisor complete an Accident Investigation Form? Did the witness complete the Accident Witness Statement? What exactly were the injured worker s complaints? What body part does the employee claim he injured? Does the claim seem legitimate? Does something seem fishy? If you learn of inconsistent statements about how the accident occurred and something just does not seem right, then it is important to interview witnesses. Maybe the witness(es) says that nothing ever occurred. Maybe you hear that the injured employee is not really injured that he claims he cannot work, yet a coworker saw him painting a house. Does the employee have a second job? Ruth-Ann Lopez, Chesapeake Employers Sr. Attorney Deborah Levy, Chesapeake Employers Sr. Attorney Maybe you or coworkers were aware that he had been having back pain for weeks before the alleged incident in which he claimed he injured his back. After you ve gathered all the facts, our adjusters and attorneys will contact you to review the facts and prepare for a hearing. Why go to a hearing? If we believe, based on the information supplied by you and witnesses, that the claim is not compensable, we will raise issues so we can go to a hearing at the Workers Compensation Commission (WCC) and contest the claim on your behalf. Your cooperation, and that of your employees, is crucial to the success of our defense. Our reason for contesting the claim is because we have doubt about whether an accident really occurred, how the accident occurred, or if the injuries he complains of are really related to the accident. Why does the employer need to be at the hearing? We will identify witnesses we may need at the hearing after we interview them. We will prepare them for their testimony at hearing. It is also possible we may need certain documents from you such as timesheets or work orders to know where the employee was working at the time he claims he was injured. Your assistance and cooperation are very important to the success of our defense. We rely on you for information to make sure we have the right witnesses and documents for the hearing. Any information you can share with us will help us better prepare for the case in an effort to get a denial of the claim. n 8 Spring 2014

7 Chesapeake Employers = Vigilant Guardian Recent Success Cases at the Maryland Workers Compensation Commission Chesapeake Employers legal and claims professionals work in tandem to successfully litigate numerous hearing cases in front of the Maryland Workers Compensation Commission. Our thorough case preparation, investigation and defense help to keep premium costs fair by limiting unnecessary and excessive awards or claim payments. Here are a few summaries of recent hearing cases in which the Commission ruled in our favor. Successfully Defended The Case of the Pre-existing Condition In this case, Chesapeake Employers claims and legal departments worked together to defeat a claim for compensation for accidental injury. The claimant alleged injury to the right shoulder while moving boxes. The claimant testified that no pre-existing shoulder problems were present. However, defense counsel introduced medical reports detailing prior treatment to the right shoulder, including a diagnosis of right shoulder impingement syndrome. Counsel further noted that the claimant did not report the alleged accident to the employer until 19 days afterward, and failed to tell the treating physician of the incident until almost three months later. The Do-it-Yourself Claim Chesapeake Employers claims and legal professionals prevailed before the Commission on the issues of accidental injury and occupational disease. The claimant had previously attempted to add the neck and left shoulder to a prior claim, but the Commission denied causal connection. The claimant filed this claim, alleging chronic myofascial neck strain due to over 15 years of repetitive trauma in the workplace. The claimant acknowledged that there was no specific work injury on the date of the claim filing, but alleged that the injury had occurred over time. Defense counsel relied on an independent medical examination which indicated that the claimant s complaints were not related to the employment. Defense counsel argued that the changes noted on a cervical MRI were degenerative and simply related to age. Car Accident Complication Chesapeake Employers successfully defeated this claim for temporary total disability benefits and authorization for physical therapy and pain management. While investigating the claim, the adjuster discovered that the claimant was involved in a subsequent motor vehicle accident. Despite numerous hurdles, the adjuster obtained the medical reports related to the motor vehicle accident, which defense counsel presented to the Commission. Defense counsel argued that the subsequent motor vehicle accident was an intervening injury, breaking the chain of causation. The Commission agreed, denying the request for temporary total disability benefits as well as authorization for physical therapy and pain management. The Hand Bone Connected to the Neck Bone? The Chesapeake Employers claims and legal team were successful in limiting the injury claims from this accident. The claimant alleged that on the date of injury, the right hand was slammed against a heavy iron door. The injury to the right hand ultimately required surgery. The claimant testified at the hearing that the pain in the neck began right after the hand surgery. Defense counsel noted that the claimant s treating doctor was unsure of the cause of the neck pain and did not relate it to the accident. Defense counsel further argued that this case involved an injury only to the right hand and that there was no basis for relating the neck. Spring

8 Guest Column We can all use someone in our corner Getting the Most Out of Your Insurance Agent Relationship Shelley Arnold CPCU, AU, ARM, AAI, ACSR, AINS President, The Independent Insurance Agents of Maryland, Inc. Need an agent? Visit Chesapeake Employers website and click on the Find a Local Agent search feature. Chesapeake Employers partners with insurance agents as its primary distribution channel. We recently asked Shelley Arnold, President of the Independent Insurance Agents of Maryland, Inc, to share her viewpoint on this insurance topic. Many business owners feel it really doesn t matter where they buy their insurance. This misconception could be costing you and your business money, service and protection. This is one purchase that should never be treated lightly. Insurance is your safety net. It protects you, your family, your home, your autos and your business. Face it, business insurance can be very complicated. An agent can be a trusted counselor and assist with your insurance needs that range from the application process to the final audit. An agent is in your corner, and we can all use someone in our corner. Whether you are a small business or a large business, whether you are a partnership or corporation, whether you are a for profit or a not for profit, insurance agents can assist you in making the right decisions about your insurance needs and coverages. Your independent agent is a licensed insurance professional. Maryland requires producers to pass a licensing examination. After an agent receives his or her license, he or she is required by Maryland law to obtain 24 hours of continuing education credits every two years. Within that continuing education is a three-hour ethics course requirement. As a business owner, you are aware of the many ways you may purchase insurance. There are captive agents who sell only the insurance of one company. There are telephone representatives who can offer the insurance of one company and only on the telephone. You can purchase insurance on the internet, by telephone, and through direct mail. Then there is the independent agent. The independent agent represents multiple carriers, the average being five. This allows the agent to find you the best combination of price, coverage and service. It is also customary that the independent agent can offer you one-stop shopping, providing a full range of products for home, renters, automobile, business, life and health. The independent agent will also provide periodic reviews of your coverage and suggest changes that may benefit your insurance plan. As your business changes, so too should your insurance needs and coverage. An independent agent can monitor and react to those changes. This service is the value added service the business owner will discover with an independent agent. An independent agent also acts as your advocate. Face it, business insurance can be very complicated. An agent can be a trusted counselor and assist with your insurance needs that range from the application process to the final audit. How many times have you wished someone could explain a particular coverage, help determine a proper classification, explain the intent of a question on the application, assist your business when filing a claim, or translate those policy provisions into plain English? An agent is in your corner, and we can all use someone in our corner. Independent agents are business owners just like you. They have strong ties in their communities. Our independent agents are Trusted Choice agents. They sign a Pledge of Performance, which states they will treat you with the utmost respect and that they will treat you like a person, not just a policy. Trusted Choice agents operate in an altruistic and ethical manner. We all want to do what is best for our business, so shouldn t your policy come with an agent? n 10 Spring 2014

9 IMPORTANT OSHA REMINDER OSHA Revises HazCom Standard Employers must be in compliance by June 1, 2015 OSHA has revised its Hazard Communication Standard (HCS), 29 CFR , to align with the United Nations Globally Harmonized System of Classification and Labeling of Chemicals (GHS). GHS is a collaborative worldwide effort to standardize the classification and labeling of chemicals. To help companies comply with the revised standard, OSHA is phasing in the specific requirements over several years, from December 1, 2013 to June 1, 2016: By December 1, 2013 All employees must be trained on the new label elements and Safety Data Sheets. By June 1, 2015 Employers must be in compliance with all modified provisions. By December 1, 2015 Distributors cannot ship containers that do not have the new label elements. By June 1, 2016 Employers must be in complete compliance with the entire revised Hazard Communication Standard, including workplace labeling, updating their programs, and providing additional training on any newly identified physical or health hazards. IMPORTANT: This is only a short summary overview of the revised OSHA HazCom Standard. The revisions are extensive and employers are reminded to visit the OSHA website for complete details on the revised HazCom standards. The five main components that all employers should be aware of: Create and Maintain a Written Hazard Communication Program Provide Employee Information & Training Understand and Use New OSHA Universal Pictograms Representing Hazards New Safety Data Sheets (SDS) formerly known as MSDS New Labeling Standards Chesapeake News Shorts Chesapeake Employers Announces Leadership Promotions Frank Linardi, Jr. CPA promoted to Chief Financial Officer Joanne Dreher promoted to Director, Underwriting Department Sharon Rowell promoted to Assistant Vice President, Marketing and Business Development Amy Gates promoted to Director, Strategic Business Unit Address Reminder Help Us Stay Connected With You Do we have your correct address as part of your policy contact information? Chesapeake Employers wants to stay connected with our policyholders so you can receive our e-newsletter updates and other information. Please call our Contact Center at if you have a new address. If you have additional coworkers interested in receiving our latest news, helpful safety and claims management information, go to to sign-up directly for our e-newsletter. Spring

10 Main Number Outside the Baltimore Area Proud insurance partner with these associations and safety programs: f 8722 Loch Raven Blvd. Towson, MD Like us on Facebook & get more safety tips. Visit CEIWC.com and click on our Facebook icon link. This helpful newsletter is provided as a service by Chesapeake Employers and your agent PRSRT STD U.S. POSTAGE PAID Permit No Baltimore, MD MHI Maryland Home Improvement WASHINGTON AREA NEW AUTOMOBILE DEALERS ASSOCIATION Online Streaming Safety Training Videos at CEIWC.com Chesapeake Employers, along with the WUMBUS Corporation, bring you an extensive library of safety training programs all streaming online. You and your employees now have instant access to WUMBUS entire online safety training library to help with your training needs available whenever you re ready to train, from anywhere, anytime. You can stream an unlimited number of safety trainings every month at no additional cost! And you can preview them before downloading. Literally hundreds of titles are available. WUMBUS has a vast library of highly engaging, OSHA-compliant safety trainings. Most training videos are minutes long. Some video titles available in Spanish Our educational training library is available to all current Chesapeake Employers policyholders and can be accessed by going to CEIWC.com/Safety University. Important: You must use your Chesapeake Employers eservices account to access SafetyFlicks! Not registered? Click the eservices Login link on our website to create an account profile. Detailed instructions on how to stream the safety training videos are posted on the SafetyFlicks webpage. DVDs still available! For those who wish to order DVDs, they are also available. You may borrow up to two DVDs each month through Chesapeake Employers SafetyFlicks. WUMBUS will ship these directly to you at no additional charge. You will be responsible for returning the DVDs timely; a return shipping charge will apply. For more information contact Chesapeake Employers WUMBUS Administrator at Sample Safety Topics: Behavior-based Safety Contractor & Construction Driving Safety EAP Groundskeeping Safety Health and Safety Hospitality and Restaurants Human Resources OSHA Compliance Sanitation Safety Security Safety Warehouse Safety Chesapeake Employers SafetyFlicks is a service provided to Chesapeake Employers policyholders in good standing. All DVDs are the property of the WUMBUS Corporation. Late fees will apply to DVDs borrowed and not returned. Chesapeake Employers is not responsible for the accuracy of the content and information contained in any DVD or streaming video. If you have any questions concerning the material contained in the DVDs or streaming videos, consult your Chesapeake Employers Safety Services Consultant for further assistance.

Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs)

Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs) Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs) This Guide was developed to provide you with valuable information regarding our managed care program,

More information

Safety In the Workplace. Andrew Scott Director of Risk Management

Safety In the Workplace. Andrew Scott Director of Risk Management Safety In the Workplace Andrew Scott Director of Risk Management Andrew Scott - Director of Risk Mgmt Over 20 years of experience in Risk Management and Workers Compensation Compensation claims. Started

More information

Workers Compensation Strategies That Will Positively Influence Your Bottom Line

Workers Compensation Strategies That Will Positively Influence Your Bottom Line GDI INSURANCE AGENCY, INC S MONEY-SAVING WORKERS COMPENSATION TIPS Workers Compensation Strategies That Will Positively Influence Your Bottom Line Provided by: GDI Insurance Agency, Inc. 801 Geer Road

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

Workers Compensation Optimal Claims Management

Workers Compensation Optimal Claims Management OVERALL OBJECTIVE - ECM seeks to provide a consultative relationship in which we work with our clients to influence and improve their Risk Management Process. Following are a few suggestions regarding

More information

Consumer Federation of America s

Consumer Federation of America s Consumer Federation of America s Guide to Navigating the Auto Claims Maze: Getting the Settlement You Deserve You ve just be involved in a fender bender with another vehicle. Your car is damaged but drivable.

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series www.southernmarylandlaw.com 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

More information

IWIF has Implemented an Array of Cost Containment Measures. FIGHTING Prescription Drug Abuse in Workers Comp

IWIF has Implemented an Array of Cost Containment Measures. FIGHTING Prescription Drug Abuse in Workers Comp News and Information for IWIF Policyholders and Maryland Employers IWIF has Implemented an Array of Cost Containment Measures FIGHTING Prescription Drug Abuse in Workers Comp Kids Chance of Maryland Scholarship

More information

International Union of Operating Engineers Local 94. A guide for what to do in the event of an on the job injury

International Union of Operating Engineers Local 94. A guide for what to do in the event of an on the job injury International Union of Operating Engineers Local 94 A guide for what to do in the event of an on the job injury Member Safety Should Always Be The Primary Concern SAFETY REGULATIONS: New York State Labor

More information

Investigating Workers Compensation Claims and Complying with Wage and Hour Law

Investigating Workers Compensation Claims and Complying with Wage and Hour Law Investigating Workers Compensation Claims and Complying with Wage and Hour Law Noel C. Shepard 614-559-7223 nshepard@fbtlaw.com Adam R. Hanley 614-559-7238 ahanley@fbtlaw.com Investigating Workers Compensation

More information

Money Saving Tips to Contain rising Workers Compensation Costs

Money Saving Tips to Contain rising Workers Compensation Costs Money Saving Tips to Contain rising Workers Compensation Costs Presenters: Andrea Hiltbrunner, Claims Director, Everest National Ins. Co. andrea.hiltbrunner@everestre.com Ronald Adler, President-CEO Laurdan

More information

Workers Compensation Program Review and Approval Authority

Workers Compensation Program Review and Approval Authority July 2003 Workers Compensation Program Review and Approval Authority Prepared and Edited by: Assistant Director Date UM Workers Compensation Manager Date Reviewed and Approved by: Chair - UM E, H & S Operations

More information

ACE PHYSICAL THERAPY & SPORTS MEDICINE INSTITUTE PATIENT REGISTRATION

ACE PHYSICAL THERAPY & SPORTS MEDICINE INSTITUTE PATIENT REGISTRATION ACE PHYSICAL THERAPY & SPORTS MEDICINE INSTITUTE PATIENT REGISTRATION ALEXANDRIA FAIRFAX FALLS CHURCH LEESBURG HERNDON TYSONS CORNER PATIENT INFORMATION (Please Print Clearly) Name Last First Middle of

More information

Employee Injury/Illness Reporting and Managed Return to Work. April 15, 2011 HR 23. Human Resources Responsible Key Business

Employee Injury/Illness Reporting and Managed Return to Work. April 15, 2011 HR 23. Human Resources Responsible Key Business Managed Return to Work Date Effective April 15, 2011 City Manager Revision Date Effective Code Number HR 23 Human Resources Responsible Key Business Objective: The City of Charlotte seeks to ensure the

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

Volunteer Return to Work

Volunteer Return to Work Volunteer Return to Work Volunteer Modified Duty Handbook Workers Compensation Fund toll-free: 1.800.446.2667 web: www.wcfgroup.com Although preventing injuries is the best way to control workers compensation

More information

Decision of the Appeal Division

Decision of the Appeal Division Decision of the Appeal Division Number: 98-1053 Date: June 30, 1998 Panel: Laura Bradbury Subject: Request for re-opening a claim factors for consideration The worker is appealing the Review Board findings

More information

Professional Practice 544

Professional Practice 544 February 15, 2016 Professional Practice 544 Tort Law and Insurance Michael J. Hanahan Schiff Hardin LLP 233 S. Wacker, Ste. 6600 Chicago, IL 60606 312-258-5701 mhanahan@schiffhardin.com Schiff Hardin LLP.

More information

A POLICY TO DO MORE. II. Drug-Free WorkPlace ProgramS FHM. INSurANCe COMPANy

A POLICY TO DO MORE. II. Drug-Free WorkPlace ProgramS FHM. INSurANCe COMPANy A POLICY TO DO MORE II. drug-free WOrkPLACe PrOGrAMS FHM INSurANCe COMPANy II. Drug-Free WorkPlace ProgramS DRUG-FREE WORKPLACE PROGRAMS FHM believes a drug-free workplace is an important component of

More information

Ten Simple Steps to Reduce Your Workers Compensation Costs

Ten Simple Steps to Reduce Your Workers Compensation Costs Ten Simple Steps to Reduce Your Workers Compensation Costs For companies that need help controlling workers compensation costs, our firm is uniquely qualified to create change and positive forward movement.

More information

Workers' Compensation Insurance Purchasing Guide

Workers' Compensation Insurance Purchasing Guide Workers' Compensation Insurance Purchasing Guide Introduction to the Workers' Compensation Insurance Buying Process What s inside: Trends Types Terms & Criteria Choosing a Provider Businesses that have

More information

Tennessee Workers' Compensation Legislative Changes: A Return to Sanity. Jennifer P. Keller, Esq. Steven H. Trent, Esq.

Tennessee Workers' Compensation Legislative Changes: A Return to Sanity. Jennifer P. Keller, Esq. Steven H. Trent, Esq. Tennessee Workers' Compensation Legislative Changes: A Return to Sanity Jennifer P. Keller, Esq. Steven H. Trent, Esq. 1 2011 Developments 2011 Legislative Changes Most Comprehensive Changes Since 2004

More information

Workers Compensation Claims Services Favorable Outcomes for Employers and Employees

Workers Compensation Claims Services Favorable Outcomes for Employers and Employees Workers Compensation Claims Services Favorable Outcomes for Employers and Employees Medical Case Management Resources Preferred Medical Provider Networks Nurse Case Managers Pharmacy Benefit Management

More information

The Seubert Safe Workplace

The Seubert Safe Workplace The Seubert Safe Workplace The Seubert Safe Workplace is a program initiated to help our commercial insurance clients their control worker compensation costs and improve employee health and well-being.

More information

Zurich s Workers Compensation Claims Kit

Zurich s Workers Compensation Claims Kit Zurich s Workers Compensation Claims Kit A guide from a leader you can count on. With 50 state-specific workers compensation laws, a multitude of federal workers compensation laws and the provisions of

More information

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS?

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many

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

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

Policy and Procedures

Policy and Procedures Policy and Procedures Return to SafeworksIllinois.com articles Subject: Return To Work Policy 1. Table of Contents 1 2. Purpose.2 3. Policy....2 4. Procedures..3 4.1 Reporting an Injury.3 4.2 Medical Treatment

More information

What Happens Next? A PARENTS' A PARENTS GUIDE TO NEW YORK STATE CHILD PROTECTIVE SYSTEM

What Happens Next? A PARENTS' A PARENTS GUIDE TO NEW YORK STATE CHILD PROTECTIVE SYSTEM What Happens Next? A PARENTS' A PARENTS GUIDE TO NEW YORK STATE CHILD PROTECTIVE SYSTEM Revised: April 2012 Adapted by Prevent Child Abuse New York, Inc. from a piece of the same name by Margo Hittleman,

More information

How to Protect Your Rights When Injured on the Job

How to Protect Your Rights When Injured on the Job How to Protect Your Rights When Injured on the Job What every railroad worker should know UNITED TRANSPORTATION UNION 24950 Country Club Blvd., Ste. 340 North Olmsted, Ohio 44070-5333 (216) 228-9400 www.utu.org

More information

Policies & Procedures

Policies & Procedures 2.2 Drug Free Work Place Adopted 1.24.2003 Revised 3.28.2004; 5.26.2006; 3.2.2011 Reference: WAC 388.805.200(3) POLICY In accordance with "The Drug Free Workplace Act of 1988, The Healing Lodge prohibits

More information

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY I. WHAT IS WORKERS COMPENSATION?... 2 II. WORKERS COMPENSATION BENEFITS... 3 III. INSURANCE REQUIREMENTS... 4 Types of Coverage Definition of Employee

More information

Workers Compensation Claims Services Favorable Outcomes for Employers and Employees

Workers Compensation Claims Services Favorable Outcomes for Employers and Employees Workers Compensation Claims Services Favorable Outcomes for Employers and Employees Medical Case Management Resources Preferred Medical Provider Networks Nurse Case Managers Pharmacy Benefit Management

More information

IN THE SUPREME COURT, STATE OF WYOMING 2013 WY 86

IN THE SUPREME COURT, STATE OF WYOMING 2013 WY 86 NICHOLAS A. PICOZZI, Appellant (Respondent), IN THE SUPREME COURT, STATE OF WYOMING 2013 WY 86 APRIL TERM, A.D. 2013 July 16, 2013 v. STATE OF WYOMING, ex rel., WYOMING WORKERS SAFETY AND COMPENSATION

More information

MANAGER S MESSAGE Terri A. Miller, CPCU MAIPF General Manager

MANAGER S MESSAGE Terri A. Miller, CPCU MAIPF General Manager Michigan Automobile Insurance Placement Facility Winter 2013 Newsletter MAIL: NEW MAILING ADDRESS - P.O. Box 532318, Livonia, MI 48153-2318 Phone: 734-464-1100 17456 Laurel Park Drive North, Suite 130E,

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F401605. CAROL LUELLEN, Employee. WAL-MART STORES, Employer

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F401605. CAROL LUELLEN, Employee. WAL-MART STORES, Employer BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F401605 CAROL LUELLEN, Employee WAL-MART STORES, Employer CLAIMS MANAGEMENT, INC., Carrier CLAIMANT RESPONDENT RESPONDENT OPINION FILED JULY

More information

PDCA SAFETY ACHIEVEMENT AWARD PROGRAM OFFICIAL ENTRY FORM

PDCA SAFETY ACHIEVEMENT AWARD PROGRAM OFFICIAL ENTRY FORM Started in 1995, the PDCA Safety Awards Program was established to recognize the efforts of companies that have made a commitment to safety in the workplace by demonstrating and providing evidence of their

More information

E-LEARNING COURSE CATALOGUE 2015

E-LEARNING COURSE CATALOGUE 2015 E-LEARNING COURSE CATALOGUE 2015 E-Learning POOL/PACT Online Courses Created Especially for POOL/PACT Members Relevant, efficient, engaging. POOL/PACT s online courses are designed to help you and others

More information

BEFORE THE APPEALS BOARD FOR THE KANSAS DIVISION OF WORKERS COMPENSATION

BEFORE THE APPEALS BOARD FOR THE KANSAS DIVISION OF WORKERS COMPENSATION BEFORE THE APPEALS BOARD FOR THE KANSAS DIVISION OF WORKERS COMPENSATION DONALD BRYAN SMITHHISLER Claimant VS. LIFE CARE CENTERS AMERICA, INC. Respondent Docket No. 1,014,349 AND OLD REPUBLIC INSURANCE

More information

SUBSTANCE ABUSE: AN EMPLOYER'S GUIDE

SUBSTANCE ABUSE: AN EMPLOYER'S GUIDE SUBSTANCE ABUSE: AN EMPLOYER'S GUIDE If you're in business, you must face some facts: Seventy percent of all illegal drug users are employed either full- or part-time. This suggests over 10 million people

More information

PROTECT YOURSELF UNDER

PROTECT YOURSELF UNDER Call Law Offices, P.C. for Legal Advice Involving: Asbestos Disease Carpal Tunnel Injuries Catastrophic Injuries Creosote Disease Diesel Fume Inhalation Fire and Explosions Industrial Accidents Machine

More information

SOAH DOCKET NO. 453-04-4583.M2 TWCC MR NO. M2-04-0846-01 ' ' ' ' ' ' ' DECISION AND ORDER I. JURISDICTION, NOTICE, AND VENUE

SOAH DOCKET NO. 453-04-4583.M2 TWCC MR NO. M2-04-0846-01 ' ' ' ' ' ' ' DECISION AND ORDER I. JURISDICTION, NOTICE, AND VENUE SOAH DOCKET NO. 453-04-4583.M2 TWCC MR NO. M2-04-0846-01 FIRST RIO VALLEY MEDICAL, P.A., Petitioner V. AMERICAN HOME ASSURANCE CO., Respondent BEFORE THE STATE OFFICE OF ADMINISTRATIVE HEARINGS DECISION

More information

Workplace Health, Safety & Compensation Review Division

Workplace Health, Safety & Compensation Review Division Workplace Health, Safety & Compensation Review Division WHSCRD Case No: WHSCC Claim No: Decision Number: 15171 Gordon Murphy Review Commissioner The Review Proceedings 1. The hearing of the review application

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F213395 WILMA L. PIERCE, EMPLOYEE OPINION FILED FEBRUARY 8, 2005

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F213395 WILMA L. PIERCE, EMPLOYEE OPINION FILED FEBRUARY 8, 2005 BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F213395 WILMA L. PIERCE, EMPLOYEE KROGER, EMPLOYER SELF-INSURED SEDGWICK CLAIMS MANAGEMENT (TPA), INSURANCE CARRIER CLAIMANT RESPONDENT RESPONDENT

More information

SAFETY IN THE WORKPLACE By Sharon A. Stewart. January 28, 2005. The Occupational Safety and Health Act (OSHA) includes a General Duty Clause

SAFETY IN THE WORKPLACE By Sharon A. Stewart. January 28, 2005. The Occupational Safety and Health Act (OSHA) includes a General Duty Clause SAFETY IN THE WORKPLACE By Sharon A. Stewart January 28, 2005 The Occupational Safety and Health Act (OSHA) includes a General Duty Clause requiring employers to "furnish a place of employment which is

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. G103629 SHIKITA WRIGHT, EMPLOYEE OPINION FILED JULY 10, 2013

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. G103629 SHIKITA WRIGHT, EMPLOYEE OPINION FILED JULY 10, 2013 BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. G103629 SHIKITA WRIGHT, EMPLOYEE ARKANSAS DEPARTMENT OF HUMAN SERVICES, EMPLOYER PUBLIC EMPLOYEE CLAIMS DIVISION, INSURANCE CARRIER CLAIMANT

More information

Best Practices for Machine Shops. Best Practices for. Machine Shops

Best Practices for Machine Shops. Best Practices for. Machine Shops Best Practices for Machine Shops Contents Introduction...3 Management commitment...3 Pre-employment screening... 5 Accident analysis...6 Claims management...6 Employee training...6 Employee invovement...7

More information

We are required to provide this Notice to you by the Health Insurance Portability and Accountability Act ("HIPAA")

We are required to provide this Notice to you by the Health Insurance Portability and Accountability Act (HIPAA) PRIVACY NOTICE We are required to provide this Notice to you by the Health Insurance Portability and Accountability Act ("HIPAA") THIS NOTICE DESCRIBES HOW PERSONAL AND MEDICAL INFORMATION ABOUT YOU MAY

More information

Utah Labor Commission Industrial Accidents Division. Employers Guide to. Workers Compensation

Utah Labor Commission Industrial Accidents Division. Employers Guide to. Workers Compensation 2015 2016 Utah Labor Commission Industrial Accidents Division E m p l o y e r s G u i d e Employers Guide to Workers Compensation Utah Labor Commission Industrial Accidents Division Employers Guide to

More information

THE ALMOST HASSLE-FREE WAY TO COLLECT PA WORKERS COMPENSATION MEDICAL BILLS

THE ALMOST HASSLE-FREE WAY TO COLLECT PA WORKERS COMPENSATION MEDICAL BILLS www.workinjuryinpa.com THE ALMOST HASSLE-FREE WAY TO COLLECT PA WORKERS COMPENSATION MEDICAL BILLS This book has the forms and guidance to get your workers compensation medical bills paid. THE ALMOST HASSLE-FREE

More information

IN THE SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR KENT COUNTY

IN THE SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR KENT COUNTY IN THE SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR KENT COUNTY CYNTHIA SMITH and MICHAEL R. : SMITH, individually and as guardians : ad litem of CIARA SMITH, a minor, : : Plaintiffs, : : v. : :

More information

A BRIEF OVERVIEW OF THE BENEFITS AND PERILS OF THE VIRGINIA WORKERS COMPENSATION ACT

A BRIEF OVERVIEW OF THE BENEFITS AND PERILS OF THE VIRGINIA WORKERS COMPENSATION ACT A BRIEF OVERVIEW OF THE BENEFITS AND PERILS OF THE VIRGINIA WORKERS COMPENSATION ACT If you were injured at work or know a family member or friend who was injured at work, I hope that the following information

More information

How to set up and implement an effective and lawful drug-testing program

How to set up and implement an effective and lawful drug-testing program How to set up and implement an effective and lawful drug-testing program Safety-conscious roofing contractors often choose to implement a drug-testing program for their employees. Roofing contractors with

More information

Stocking Up On Health & Wellness in the Workplace

Stocking Up On Health & Wellness in the Workplace News and Information for IWIF Policyholders and Maryland Employers Stocking Up On Health & Wellness in the Workplace Goodwill Industries of the Chesapeake, Inc. Has an Award Winning Workplace Wellness

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F910691. TERRY FOSTER, Employee. TYSON SALES & DISTRIBUTION, Self-Insured Employer

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F910691. TERRY FOSTER, Employee. TYSON SALES & DISTRIBUTION, Self-Insured Employer BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F910691 TERRY FOSTER, Employee TYSON SALES & DISTRIBUTION, Self-Insured Employer CLAIMANT RESPONDENT OPINION FILED NOVEMBER 20, 2013 Hearing

More information

Michigan No-Fault Law: What You Don t Know Can Hurt You

Michigan No-Fault Law: What You Don t Know Can Hurt You 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.

More information

WORKERS COMPENSATION APPEAL TRIBUNAL

WORKERS COMPENSATION APPEAL TRIBUNAL WORKERS COMPENSATION APPEAL TRIBUNAL BETWEEN: [PERSONAL INFORMATION] CASE ID #[PERSONAL INFORMATION] APPELLANT AND: WORKERS COMPENSATION BOARD OF PRINCE EDWARD ISLAND RESPONDENT DECISION #199 Appellant

More information

Re: Occupational Injury and Illness Recording and Reporting Requirements; Docket No. OSHA-2009-0044

Re: Occupational Injury and Illness Recording and Reporting Requirements; Docket No. OSHA-2009-0044 Occupational Safety and Health Administration OSHA Docket Office Docket Number OSHA-2009-0044 U. S. Department of Labor Room N-2625 200 Constitution Avenue, NW Washington, D. C. 20210 Re: Occupational

More information

Overview of Sample Drug and Alcohol Abuse Policy

Overview of Sample Drug and Alcohol Abuse Policy Overview of Sample Drug and Alcohol Abuse Policy All employers should have a vital interest in maintaining a safe, healthy, and efficient working environment. Being under the influence of a drug or alcohol

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. G304790 JANE E. JAMES, EMPLOYEE CLAIMANT TYSON POULTRY, INC.

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. G304790 JANE E. JAMES, EMPLOYEE CLAIMANT TYSON POULTRY, INC. BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. G304790 JANE E. JAMES, EMPLOYEE CLAIMANT TYSON POULTRY, INC., EMPLOYER TYNET CORPORATION INSURANCE CARRIER RESPONDENT RESPONDENT OPINION FILED

More information

Employee Assistance Program

Employee Assistance Program Employee Assistance Program SUBSTANCE ABUSE POLICY: Substance Abuse Policy Law Substance Abuse policies and procedures are complex and subject to frequent change by legislation and court decision. It is

More information

Safety for Nursing Homes

Safety for Nursing Homes Safety for Nursing Homes 1 www.montanastatefund.com Table of Contents Safety For Nursing Homes Introduction...2 Injuries in the Nursing Home Industry...3 Pre-employment Examinations...4 New Employee Safety

More information

UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA

UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA Willisch v. Nationwide Insurance Company of America, Civil Litigation No. 09-5276-TJS Justice, II v. Nationwide Affinity Insurance

More information

Want to lower your worker s comp costs?

Want to lower your worker s comp costs? Want to lower your worker s comp costs? Many employers think of their workers comp premium as a fixed cost. Smart businesses owners, though, are always looking for ways to save, and comp is a great place

More information

Online Training. Training Categories: Page 2. Workplace Wellness (6 videos) Health and Safety (17 videos) Page 3. Page 6. Leadership (7 videos) Page 7

Online Training. Training Categories: Page 2. Workplace Wellness (6 videos) Health and Safety (17 videos) Page 3. Page 6. Leadership (7 videos) Page 7 Training Categories: Page 2 Workplace Wellness (6 videos) Our employee wellness training videos on topics such as Respect in the Workplace, Stress Management, Ergonomics and Substance Abuse are intended

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F209084 EDDIE WEBB, EMPLOYEE LUTHERAN HIGH SCHOOL, INC., EMPLOYER

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F209084 EDDIE WEBB, EMPLOYEE LUTHERAN HIGH SCHOOL, INC., EMPLOYER BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F209084 EDDIE WEBB, EMPLOYEE LUTHERAN HIGH SCHOOL, INC., EMPLOYER CHURCH MUTUAL INSURANCE COMPANY, INSURANCE CARRIER CLAIMANT RESPONDENT RESPONDENT

More information

THE DOCTOR S GUIDE TO PENNSYLVANIA WORKERS COMPENSATION BILLING

THE DOCTOR S GUIDE TO PENNSYLVANIA WORKERS COMPENSATION BILLING THE DOCTOR S GUIDE TO PENNSYLVANIA WORKERS COMPENSATION BILLING THE DOCTOR S GUIDE TO PENNSYLVANIA WORKERS COMPENSATION BILLING 1515 Market Street Suite 1520 Philadelphia PA 19102 Phone: (215) 557-5540

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

INJURY AND ILLNESS PREVENTION PROGRAM. For SOLANO COMMUNITY COLLEGE DISTRICT

INJURY AND ILLNESS PREVENTION PROGRAM. For SOLANO COMMUNITY COLLEGE DISTRICT INJURY AND ILLNESS PREVENTION PROGRAM For SOLANO COMMUNITY COLLEGE DISTRICT Adopted: August 1992 Updated: January 2004 Updated: January 2006 Updated: January 2009 TABLE OF CONTENTS INTRODUCTION... 1 GOALS...

More information

WORKERS COMPENSATION REGULATIONS IN THE STATE OF FLORIDA Broward County Edition

WORKERS COMPENSATION REGULATIONS IN THE STATE OF FLORIDA Broward County Edition WORKERS COMPENSATION REGULATIONS IN THE STATE OF FLORIDA Broward County Edition 1 Hour of Continuing Education Credit Presented by Building Trades Education Services CILB Provider# 00004988 In Broward

More information

Common Myths Associated With Georgia Workers Compensation Claims Ty Wilson 1-866-937-5454 www.tywilsonlaw.com Special Report

Common Myths Associated With Georgia Workers Compensation Claims Ty Wilson 1-866-937-5454 www.tywilsonlaw.com Special Report Common Myths Associated With Georgia Workers Compensation Claims Ty Wilson 1-866-937-5454 www.tywilsonlaw.com Special Report COMMON MYTHS ASSOCIATED WITH GEORGIA WORKERS COMPENSATION CLAIMS Special Report

More information

IN THE SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY

IN THE SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY IN THE SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY PAMELA R. LECOMPTE, ) ) Petitioner, ) ) v. ) ) C. A. No. 02A-01-010 JEB CHRISTIANA CARE HEALTH ) SYSTEMS, ) ) Respondent. ) Submitted:

More information

The Steelworker Perspective on Behavioral Safety

The Steelworker Perspective on Behavioral Safety The Steelworker Perspective on Behavioral Safety Comprehensive Health and Safety vs. Behavior-Based Safety United Steelworkers Five Gateway Center Room 902 Pittsburgh, PA 15222 Telephone -- 412/562-2581

More information

NCMIC s Malpractice Insurance Plan

NCMIC s Malpractice Insurance Plan NCMIC s Malpractice Insurance Plan Focused on the unique needs of Doctors of Chiropractic since 1946 Why NCMIC s Malpractice Insurance Plan? When it comes to protecting your reputation, you don t want

More information

CLAIMS MANAGEMENT MISSISSIPPI MUNICIPAL SERVICE COMPANY MISSISSIPPI MUNICIPAL WORKERS COMPENSATION GROUP MISSISSIPPI MUNICIPAL LIABILITY PLAN

CLAIMS MANAGEMENT MISSISSIPPI MUNICIPAL SERVICE COMPANY MISSISSIPPI MUNICIPAL WORKERS COMPENSATION GROUP MISSISSIPPI MUNICIPAL LIABILITY PLAN CLAIMS MANAGEMENT While accuracy is not guaranteed, this publication was prepared solely for the exclusive use of Mississippi Municipal Service Company customers. It is designed solely to assist our clients

More information

BEFORE THE ARKANSAS WORKERS COMPENSATION COMMISSION CLAIM NO. F610657 ORDER AND OPINION FILED APRIL 24, 2007

BEFORE THE ARKANSAS WORKERS COMPENSATION COMMISSION CLAIM NO. F610657 ORDER AND OPINION FILED APRIL 24, 2007 BEFORE THE ARKANSAS WORKERS COMPENSATION COMMISSION CLAIM NO. F610657 SHERRY ALLEN BIRCH TREE COMMUNITIES, INC. INSURANCE COMPANY - STATE OF PENNSYLVANIA CLAIMANT RESPONDENT EMPLOYER RESPONDENT CARRIER

More information

Guide for Filing WorkSafeBC Mental Disorder Claims

Guide for Filing WorkSafeBC Mental Disorder Claims Canadian Union of Public Employees Guide for Filing WorkSafeBC Mental Disorder Claims WCB Advocacy Department BC Regional Office Tom McKenna, National Representative, WCB Advocacy Nothing in this Guide

More information

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied. Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F102457 OPINION FILED JULY 20, 2004

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F102457 OPINION FILED JULY 20, 2004 BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION CLAIM NO. F102457 KEN WATERS, EMPLOYEE CENTURY TUBE CORPORATION, EMPLOYER CROCKETT ADJUSTMENT, CARRIER CLAIMANT RESPONDENT RESPONDENT OPINION FILED

More information

BEFORE THE ARKANSAS WORKERS COMPENSATION COMMISSION CLAIM NUMBER F205928 DOUGLAS EUGENE WHIPKEY, EMPLOYEE CLAIMANT XPRESS BOATS, EMPLOYER RESPONDENT

BEFORE THE ARKANSAS WORKERS COMPENSATION COMMISSION CLAIM NUMBER F205928 DOUGLAS EUGENE WHIPKEY, EMPLOYEE CLAIMANT XPRESS BOATS, EMPLOYER RESPONDENT BEFORE THE ARKANSAS WORKERS COMPENSATION COMMISSION CLAIM NUMBER F205928 DOUGLAS EUGENE WHIPKEY, EMPLOYEE CLAIMANT XPRESS BOATS, EMPLOYER RESPONDENT CONTINENTAL CASUALTY CO., INSURANCE CARRIER RESPONDENT

More information

Incident Reporting Manual

Incident Reporting Manual Pillar Income Asset Management, Inc. Incident Reporting Manual For use in reporting: Property Losses General Liability Incidents Workers Compensation Incidents Commercial Auto Incidents Prepared by: The

More information

The employee s files contained a post office box number instead of a street address.

The employee s files contained a post office box number instead of a street address. Worker s Compensation Fraud Preexisting Medical Condition The auditor was working on a worker s compensation (WC) audit at a Department of Defense agency. As part of the review, the auditor reviewed WC

More information

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT?

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? This free EBook provides answers to car accident victims most frequently asked questions. This EBook does not provide actual legal advice, as every accident and

More information

Accident Investigation Program

Accident Investigation Program County of Knox Accident Investigation Program July 2014 County Administrative Offices 62 Union Street Rockland, Maine 04841 COUNTY OF KNOX Accident Investigation Program County of Knox Accident Investigation

More information

FIRST JUDICIAL DISTRICT OF PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF PHILADELPHIA COURT TERM: NO.

FIRST JUDICIAL DISTRICT OF PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF PHILADELPHIA COURT TERM: NO. FIRST JUDICIAL DISTRICT OF PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF PHILADELPHIA PLAINTIFF(S) v. DEFENDANT(S) CIVIL TRIAL DIVISION Compulsory Arbitration Program COURT TERM: NO. Defendant s Interrogatories

More information

RESPONDING DELIVERING SATISFYING. Uncompromising Forensic Engineering. Finding Solutions Since 1959

RESPONDING DELIVERING SATISFYING. Uncompromising Forensic Engineering. Finding Solutions Since 1959 RESPONDING DELIVERING SATISFYING Uncompromising Forensic Finding Solutions Since 1959 Trident Your Trusted Resource for Forensic Solutions When you need answers to what, why, when how things went wrong,

More information

American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s

American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s Application Process 1. Who is eligible to participate? A Fellow member, in good standing of the American Academy of Physician

More information

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F409768. JUVENAL PEREZ, Employee. BUILT-WELL CONSTRUCTION COMPANY, Employer

BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F409768. JUVENAL PEREZ, Employee. BUILT-WELL CONSTRUCTION COMPANY, Employer BEFORE THE ARKANSAS WORKERS' COMPENSATION COMMISSION WCC NO. F409768 JUVENAL PEREZ, Employee BUILT-WELL CONSTRUCTION COMPANY, Employer CONTINENTAL CASUALTY COMPANY, Carrier CLAIMANT RESPONDENT RESPONDENT

More information

Workers Compensation Solutions from CNA. www.cna.com

Workers Compensation Solutions from CNA. www.cna.com Workers Compensation Solutions from CNA www.cna.com A commitment to your employees A commitment to your company Take a look around your company. Chances are, your workplace has changed in the past 10 years.

More information

Date of Birth: / / Male Female Martial Status: Language: English Spanish Other: E-mail: Occupation: Date Hired: / /

Date of Birth: / / Male Female Martial Status: Language: English Spanish Other: E-mail: Occupation: Date Hired: / / Early reporting can save you money. Report all injuries immediately! The information below allows Pinnacol Assurance s customer service representatives to quickly and accurately process your claim. Use

More information

Workplace injuries in healthcare. Injury prevention and response

Workplace injuries in healthcare. Injury prevention and response Workplace injuries in healthcare Injury prevention and response Most injuries in the healthcare industry stem from just four key causes: n slips and trips n patient handling n combative behaviors n driving

More information

CHAGUARAMAS TERMINALS LTD.

CHAGUARAMAS TERMINALS LTD. POLICY MANUAL All rights reserved to CrewsInn Limited. No part of this document may be reproduced in any form or by any means, without permission in writing from the company CHAGUARAMAS TERMINALS LTD.

More information

Thank you for choosing CNA

Thank you for choosing CNA Thank you for choosing CNA As every employer knows, workers compensation is a significant cost of doing business, not only in actual dollars, but in lost work days and reduced productivity. In order to

More information

3.1. The procedure shall be applicable to all University employees.

3.1. The procedure shall be applicable to all University employees. LINCOLN UNIVERSITY Procedure: Confirmatory Testing for Substance Abuse Procedure Number: HRM 113p Effective Date: October 2008 Revisions: Review Officer: Chief Human Resources Officer 1. Purpose 1.1. It

More information

SUMMARY OF INSURANCE LAWS ENACTED BY THE 2013 MARYLAND GENERAL ASSEMBLY

SUMMARY OF INSURANCE LAWS ENACTED BY THE 2013 MARYLAND GENERAL ASSEMBLY OF INSURANCE LAWS ENACTED BY THE 2013 MARYLAND GENERAL ASSEMBLY 2013 HOUSE BILLS HB 228 Ch. 159 HB 342 Ch. 270 SB 446 Ch. 269 HB 348 Ch. 98 HB 354 Ch. 103 HB 360 Ch. 106 HB 361 Ch. 368 HB 370 Ch. 226 SB

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

Is What You Know About Injury Claims Accurate?

Is What You Know About Injury Claims Accurate? Is What You Know About Injury Claims Accurate? Presented by: Attorney Mark L. Krueger www.kh-law.net IS WHAT YOU KNOW ABOUT INJURY CLAIMS ACCURATE? Misconception No. 1 I have no claim if the responsible

More information