RIMS Executive Report The Risk Perspective. Alternatives. to Traditional. Workers Compensation. Systems

Size: px
Start display at page:

Download "RIMS Executive Report The Risk Perspective. Alternatives. to Traditional. Workers Compensation. Systems"

Transcription

1 The Risk Perspective Alternatives to Traditional Workers Compensation Systems

2 Alternatives to Traditional Workers Compensation Systems Authors Nathan Bacchus Senior Government Affairs Manager, RIMS John Burkholder Director of Risk Management, Broward County, Florida Barry Dillard Director, Claims Management, Walt Disney Parks & Resorts U.S. William Frese Director, Risk Management, The ADT Corporation The authors would like to thank the RIMS External Affairs Committee for their contributions to this report. As the preeminent organization dedicated to advancing the practice of risk management, RIMS (Risk and Insurance Management Society, Inc.) is a global not-for-profit organization representing more than 3,500 industrial, service, nonprofit, charitable and government entities throughout the world. Founded in 1950, RIMS is dedicated to advancing risk management for organizational success, bringing networking, professional development and education opportunities to its membership of more than 11,000 risk management professionals who are located in more than 60 countries. For more information on RIMS, visit Risk and Insurance Management Society, Inc. All rights reserved.

3 Introduction Since Wisconsin s 1911 enactment of the first state workers compensation statute, the general construct of the state-based workers compensation system has remained relatively unchanged at a base level. By 1948, the radical idea that an employee have a process through which employment related injury costs would be reimbursed in exchange for employer protection from liability suits, was adopted in some form by all 50 states. While there are certainly differences between states on the specifics of the various workers compensation systems, the general construct has remained relatively unchanged; however, that is beginning to change. Some interested parties, including the Association for Responsible Alternatives to Workers Compensation (ARAWC), believe it is past time to consider alternatives to this traditional workers compensation structure. The idea is to build on the opt-out system that has been in place in Texas for decades and to give employers in other states an option on whether they will participate in the traditional statebased system. Oklahoma has adopted an option, while Tennessee and South Carolina have recently introduced legislation that would allow certain employers in their states to opt-out as well. The purpose of this paper is to provide a general overview of the opt-out systems, compare and contrast the enacted and introduced legislation in the different states, and to provide basic considerations employers should have when determining whether to opt-out. RIMS Position on Workers Compensation Alternatives RIMS has not taken any official position on specific legislation that was enacted in Oklahoma or that is currently a matter of debate in Tennessee and South Carolina. As the representative organization for risk management professionals, we do recognize the importance of giving organizations choices for how to best manage their risks, while also understanding the critical need to ensure that employees are adequately protected and cared for in the event of an on-the-job injury. We encourage every organization to carefully consider the pros and cons of choosing a workers compensation alternative, if given the choice. 1

4 Texas Following a 1917 U.S. Supreme Court ruling that states could legally require employers to provide workers compensation coverage to their employees, many states revised their laws to include mandatory workers compensation. Texas did the same; however, it also retained its voluntary participation component. This optout system would serve as the basic framework for the state for the next 72 years until a new workers compensation law was enacted in While this law was a significant revision, employers continue to have the option of nonsubscribing, or deciding not to carry workers compensation. Nonsubscribers Employers in Texas are given three basic options for managing employee injuries in the workplace: 1) they can join the traditional workers compensation system and be subject to all state workers compensation laws and regulations governed by the Texas Department of Insurance; 2) opt-out of the state statutory system and create their own internal work-injury compensation system, while losing exclusive remedy protection; or 3) choose not to offer any workers compensation benefits either through the state system or internally. Those who optout of the traditional workers compensation system are referred to as nonsubscribers. Private sector businesses engaged in state building and construction projects and government entities are not given these options and must participate in the state-based system. It is important to note that nonsubscribers are not necessarily the same as self-insured employers. Self-insured employers continue to participate in the workers compensation system and remain subject to all state laws and regulations governing that system. Self-insured employers receive the same tort protections as other subscribing employers while employee benefits are also strictly regulated. Responsible Nonsubscription While private employers do have the option of providing no coverage to their employees, this decision would leave the employer open to catastrophic legal liability claims in the event of workplace injuries. For that reason, nearly all nonsubscribers choose to establish their own internal workplace safety and injury management programs. These programs establish practices for both injury prevention and reimbursement of quality benefits to those employees injured in the workplace. The Texas Association of Responsible Nonsubscribers (TXANS) has established several primary components that a responsible nonsubscriber should have in place: A workplace safety program designed to meet the unique needs of the nonsubscribing business. A well documented responsible nonsubscriber occupational injury benefit plan that establishes the provision of workplace injury benefits. A program that communicates the programs elements to employees. Benefit funding, which is typically secured through insurance or a combination of selffunded and insured benefits. Employer/employee selection of quality medical providers to provide exceptional care for employee injuries. A program to manage benefit claims. Programs to prevent and address disputes in a manner that is fair to employees and employers alike. Regulatory compliance, both state and federal. Notification Employers who do not have traditional workers compensation coverage must provide written notice in their workplace notifying employees of that fact. This notice must be written in English, Spanish and any other appropriate language and must be placed within the employer s personnel office and in a prominent place where employees will regularly see it. Additionally, an employer who does not obtain workers compensation coverage must notify the Texas Division of Insurance in writing that the employer elects to forego coverage. Any employer who terminates workers compensation must also notify the division in writing and must file the appropriate forms with the Texas Division of Workers Compensation. Nonsubscriber statistics In November 2014, the Texas Department of Insurance released a study entitled Employer Participation in the Texas Workers Compensation System: 2014 Estimates. Some of the key findings include: 33% of Texas employers are nonsubscribers with 20% of private sector employees working for nonsubscriber employers. The industries with the highest percentage of nonsubscribers are health care/educational services (41%), arts/entertainment/ accommodation/food services (39%), and wholesale trade/retail/transportation (34%). Employer nonsubscribers overall satisfaction with their experience is 67% vs. 61% for subscribers. Only 30% of non-subscribing employers offer permanent partial benefits. Only 25% of non-subscribing employers offer permanent total benefits. Only 45% of non-subscribing employers offer death benefits in the case of a workrelated fatality. 470,000 or 5% private sector employees do not have any workers compensation coverage or a nonsubscriber occupational benefit plan. 2

5 Oklahoma On May 17, 2013, Oklahoma Governor Mary Fallin signed into the law the Oklahoma Employee Injury Benefit Act (OEIBA). This new law made Oklahoma the second state to allow qualified employers to opt-out of the state workers compensation system. The Oklahoma option features many more restrictions than the Texas system and does not give employers the option to completely forego offering any workers compensation benefits. Qualified Employers Any employer, private or public, may voluntarily elected to become exempt from the Administrative Workers Compensation Act (the traditional state-based system) and become a qualified employer under the following conditions: Demonstrate the financial ability to pay claims using either purchased insurance or posting securety through a surety bond or letter of credit in an amount determined by the Oklahoma Insurance Department. Obtain approval of a written private benefit plan offering similar benefits to the state workers compensation program including indemnity, permanency, death benefits, vocational rehabilitation, disfigurement, medical, etc. Pay a $1,500 filing fee with to the Department of Insurance. Remain compliant with the Employee Retirement Income Security Act (ERISA). Potential Benefits to Employers As mentioned, any employer choosing to opt out of the state workers compensation system must continue to provide benefits similar in form to those required under system, similar in concept to the way that private group healthcare plans are managed. However, the employer does have some discretion in how the plan functions. Employers select their own list of approved medical providers and may impose a stricter deadline for injury reporting than the state s 30-day window. In theory, this allows employers electing the option to provide better medical care while also having greater employee accountability. In exchange for providing similar benefits as the state system, employers are granted exclusive remedy protection against negligence liability lawsuits, similar to those under the state system. The option program also gives the employer discretion on how to best manage workers compensation benefits from a financial standpoint. Employers may choose to purchase insurance sufficient to cover the benefits required, or choose to self-insure such benefits. In some cases, the employer may be required by the Insurance Commissioner to purchase a surety bond to secure the employer s obligations. Employee Protections Any option plan must include minimum appeal rights for any employee who has had their claim denied by their employer. The employer must notify the employee in writing within 15 days of the receipt of the claim that the claim has been denied, why it was denied and the method for appealing the decision. Appeals will initially be heard by a committee consisting of at least three people that were not involved in the original benefit determination and claim denial. If that committee upholds the denial, the employee retains the option to appeal to the Oklahoma Workers Compensation Commission, and then ultimately to the Oklahoma Supreme Court. Under certain circumstances, the appeal may also be heard by federal courts. OEIBA also created two guaranty funds that will pay claims in the event of default by an insurer or self-insured plan: the Oklahoma Option Insured Guaranty Fund and the Oklahoma Option Self-Insured Guaranty Fund. These will be funded by premium assessments against insurers and self-insured employers. Court Challenges Once OEIBA was enacted, an immediate constitutional challenge (Coates v. Fallin) was made on the grounds that the Oklahoma constitution prohibits a single legislative bill from addressing multiple subjects. The Oklahoma Supreme Court, in a ruling that took effect on February 1, 2014, ultimately ruled that the new law only deals with work-related injuries and that the legislature followed a permissible process; however, it seems unlikely that this will be the last court challenge to the law. If, in future challenges, portions of the law are found partially invalid, then the remainder of the OEIBA will remain in effect. If the entire law were found invalid, employers will remain entitled to exclusive remedy protections and have 90 days to secure compliance with the state based workers compensation system. 3

6 Tennessee Under current Tennessee law, cities, counties and school boards within the state are allowed to opt-out of the workers compensation system and participate in a privately established plan. In February of 2015, the Tennessee Employee Injury Benefit Alternative Act was introduced in the Tennessee General Assembly and Senate to extend this option to private employers. The legislation, modeled after parts of both the Oklahoma and Texas laws, has been deferred to the 2016 session. Employer Qualifications and Minimum Benefits To become certified as a qualified employer for the purpose of opting-out of the state system, an employer must have at least five employees and apply to the Tennessee Insurance Commissioner for certification. An application will include certain employer information, a $500 application fee, and satisfactory proof, as determined by the Commissioner, that the employer is able to financially secure compensation for its covered employees for occupational injuries. The applicant employer must also provide a written benefit plan providing at least the following: Medical expense coverage for at least 156 weeks and $500,000 per employee. Temporary total disability benefits of at least 70% of the employee s average weekly wages up to 110% of the state average weekly wage for at least 156 weeks. Temporary partial disability benefits of at least 70% of the difference between the employee s average weekly wage at the time of the injury and the wage the employee is able to earn in the employee s partially disabled condition until the employee reaches maximum medical improvement. Permanent partial disability benefits of at least 70% of the employee s average weekly wages up to 110% of the state average weekly wage. Permanent total disability benefits of at least 70% of the employee s average weekly wages up to 110% of the state average weekly wage. Death benefits in at least an amount equal to the lesser of three times the employee s average annual salary or $300,000 per employee. A combined single limit for all benefits payable due to an occupational injury of at least $1,000,000 per employee. It is important to note that under this legislation, employers who choose to opt-out will not have exclusive remedy protections and does not limit the right of an employee, the employee s personal representative, dependents or next of kin from recovering further damages under a cause of action for employer negligence. South Carolina On May 13, 2015, H.4171, the South Carolina Employee Injury Benefit Plan Alternative was introduced in the South Carolina House of Representatives. This legislation would allow qualified employers in the state to opt-out of the state workers compensation system. The legislation is similar to the Oklahoma option law and proposed Tennessee legislation; however, some of the mandated benefits under the South Carolina legislation are even greater than what is required under the state s workers compensation system. Qualified Employers and Minimum Benefits Employers may become qualified by applying to the Director of the Department of Insurance by providing certain employer information, payment of a $500 application fee and satisfactory proof of ability to pay benefits. The employer must also have a benefit plan in place that, at a minimum, covers the following: Total disability benefits of 75% of the employee s average weekly wages. Temporary partial disability benefits of 75% of the difference between the employee s average weekly wages before the injury and the average weekly wages that he or she is able to earn thereafter for up to 340 weeks. Use of American Medical Association s Guides to the Evaluation of Permanent Impairment for cases involving loss, loss of use or disfigurement. Death benefits of 75% of the employee s average weekly wage for at least 500 weeks and burial expenses of up to $7,500. Unlike the proposed Tennessee legislation, employers who opt-out in South Carolina would be granted exclusive remedy protections meaning that the employer s injury benefit plan would be the injured worker s only source for recovery. 4

7 Should I Stay or Should I Go? The decision on whether to opt-out of the state workers compensation is a critical decision that no employer should take lightly. While there may be obvious potential benefits to the employer s financial bottom line it should also take into consideration its relationship with its employees, the well-being of those employees, and other factors including reputational risks. Planning Before making any opt-out decision, the employer must be sure that it understands the differences between the opt-out system and the traditional workers compensation system in the state under consideration. The systems in Texas and Oklahoma and the proposed legislation in South Carolina and Tennessee all have different processes and requirements. Once the differences between opting-out and remaining in the system are understood, the employer must take the steps necessary to develop a benefits plan. This plan will be different based on the minimum requirements of each state that it is considering opting-out of. While employers have almost total leeway to develop their benefits plan in Texas, there are far stricter requirements in Oklahoma. The South Carolina and Tennessee bills also include their own minimum requirements that must be considered. This is also the appropriate time to determine how the employer plans to cover those benefits. If it plans to procure insurance coverage, then it is important to gather quotes and to submit requests for proposals. If it plans to self-insure, then it is critical that sufficient proof of financial viability is obtained for the certification step of the process. Employers should also begin development of employee training materials, a communications plan, claim review procedures and any other human resources planning required should the employer move forward with opting-out. Applying Each state offering an option, or proposing to do so, has its own procedures and requirements for being officially certified as a qualified employer. While the development of a benefits plan is the largest component in most of the states, the employer should also be aware of all potential fees, required documents and proof of financial standing that will be needed during the application process. Implementation Once certification is received, the employer moves into the implementation phase. If the employer has chosen to purchase insurance coverage, and has not already done so, it will now be time to bind that coverage. It is also time to confirm that a sufficient and effective claims administration and management process has been put into place, as well as an appeals process should a need arise in the future. One of the most critical components of an effective rollout will be communication to employees. A decision to opt out may be seen as drastic and it is important that employees are provided with as much information as possible about how opting out will impact them should they be injured in the workplace. It is important to note that many of the states that have enacted or proposed option plans have notice requirements that must be followed; however, going beyond the statutory minimum may help improve employee compliance with the new plan and increase employee satisfaction. As implementation moves forward, the employer should closely monitor the plan and process while also continuing strong communication with employees. The employer should ensure that the claims process is being efficiently and effectively handled, employment safety practices are meeting their goals, treatment plans are working effectively and being followed, employees are satisfied with the plan, and whether employees are ultimately returning to work in a satisfactory way. Conclusion With any program that has been around as long as workers compensation systems, ideas for alternatives were bound to come up eventually. While Texas had an alternative in place for decades, three other states have recently moved in the direction of allowing employers to opt out of the workers compensation system. Option advocates have expressed interest in pushing similar legislation in other states, so it does not appear that this trend will die out anytime soon. There are certainly many potential benefits that employers and risk management professionals may gain from opting out, if given the opportunity. It is important, however, to weigh all potential risks for the employer and its employees in making what may be a drastic change. 5

Need to Know. New. Oklahoma Law

Need to Know. New. Oklahoma Law Workers Compensation Deregulation Alert: What Employers Need to Know about New the Oklahoma Law sponsored by May 2013 By Peter Rousmaniere and Jack Roberts What Employers Need to Know In early May, Oklahoma

More information

is quite favorable to pass this workers compensation is currently before the 2013 Oklahoma

is quite favorable to pass this workers compensation is currently before the 2013 Oklahoma The Oklahoma Option Legislation Would Allow Employers to Opt Out of Workers Compensation March 2013 Lockton Companies For decades, the option for employers to opt out of Texas workers compensation has

More information

Nonsubscription in Texas

Nonsubscription in Texas Nonsubscription in Texas A True Alternative to Workers Compensation August 2014 Lockton Companies Originally published December 2010 Risk managers identify and manage potential risks, and take the appropriate

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

Employer Participation in the Texas Workers Compensation System: 2012 Estimates

Employer Participation in the Texas Workers Compensation System: 2012 Estimates Employer Participation in the Texas Workers Compensation System: 2012 Estimates Texas Department of Insurance Workers Compensation Research and Evaluation Group October 2012 Brief History of Non-subscription

More information

Workers' Compensation

Workers' Compensation Workers' Compensation Workers compensation provides benefits to injured employees for accidents or occupational diseases arising out of, and in the course of, their employment. Compensation coverage is

More information

THE NEW ERA OF WORKERS COMPENSATION IN OKLAHOMA. OIPA Fall Conference 2013 Big Cedar Lodge, Missouri October 22, 2013

THE NEW ERA OF WORKERS COMPENSATION IN OKLAHOMA. OIPA Fall Conference 2013 Big Cedar Lodge, Missouri October 22, 2013 THE NEW ERA OF WORKERS COMPENSATION IN OKLAHOMA OIPA Fall Conference 2013 Big Cedar Lodge, Missouri October 22, 2013 OPENING REMARKS Gray Holden Executive Vice President and Managing Partner Willis of

More information

Q: Has Dollar General had any claim issues around loosing the common law defenses and exclusive remedy? A: No.

Q: Has Dollar General had any claim issues around loosing the common law defenses and exclusive remedy? A: No. RIMS Webinar January 20, 2011 An Overview of Nonsubscription from Texas Workers Compensation Answers to Participants Questions Prepared by PartnerSource Q: What are the litigation rates associated with

More information

Does Texas Need a Workers Compensation System? Bill Peacock Texas Public Policy Foundation

Does Texas Need a Workers Compensation System? Bill Peacock Texas Public Policy Foundation Does Texas Need a Workers Compensation System? Bill Peacock Texas Public Policy Foundation Beginnings of Workers Compensation Liability and Litigation in the 19 th Century The problem of industrial accidents

More information

Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS

Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS This guide is intended to provide a general, non-technical explanation to help employers

More information

Workers Compensation Insurance A Primer

Workers Compensation Insurance A Primer Topics Affecting Buyers of Commercial Insurance MSP C 12/2001 Workers Compensation Benefits A Primer December, 2001 Workers Compensation Insurance A Primer Workers compensation insurance is mandatory in

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

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

FREQUENTLY ASKED QUESTIONS on the OKLAHOMA OPTION

FREQUENTLY ASKED QUESTIONS on the OKLAHOMA OPTION By Bill Minick and the PartnerSource Team FREQUENTLY ASKED QUESTIONS on the OKLAHOMA OPTION This document addresses common questions regarding the Oklahoma Employee Injury Benefit Act (the Option Act ).

More information

NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT

NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT Section. 44-2401. Purpose of sections. 44-2402. Kinds of insurance covered. 44-2403. Terms, defined. 44-2404. Nebraska Property and Liability

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

MARCH 5, 2015. Referred to Committee on Commerce and Labor. SUMMARY Revises provisions governing workers compensation.

MARCH 5, 2015. Referred to Committee on Commerce and Labor. SUMMARY Revises provisions governing workers compensation. A.B. ASSEMBLY BILL NO. COMMITTEE ON COMMERCE AND LABOR MARCH, 0 Referred to Committee on Commerce and Labor SUMMARY Revises provisions governing workers compensation. (BDR -) FISCAL NOTE: Effect on Local

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

An Alternative to Workers Compensation

An Alternative to Workers Compensation A Brief Overview of the Oklahoma Option An Alternative to Workers Compensation by Updated 4/23/14 Disclaimer: These new laws are ground-breaking and open to different interpretations. This document sets

More information

Texas Nonsubscription: Control With Confidence

Texas Nonsubscription: Control With Confidence ECA DIVISION Texas Nonsubscription: Control With Confidence Primary Employer s Indemnity Coverage Control With Confidence In the case of a workplace injury, getting employees back to work and protecting

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: TEXAS ENVIRONMENT Population Size 19.3 million in 1997. Labour Force 8 million (1997) Demographic and Economic Indicators has enjoyed

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

Who Administers the Workers Compensation Program and Related Responsibilities?

Who Administers the Workers Compensation Program and Related Responsibilities? What is Workers Compensation? Who Administers the Workers Compensation Program and Related Responsibilities? Who is Eligible for Workers Compensation? What Coverage is Provided? What is a Compensable Injury?

More information

Memorial Hermann Employer Occupational Accident Program Houston, Texas

Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Health Solutions, Inc. Employer Occupational Accident Program Insurance underwritten by ACE American Insurance Company

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

WORKERS COMPENSATION FUNDAMENTALS. Know How to Navigate Your Claim

WORKERS COMPENSATION FUNDAMENTALS. Know How to Navigate Your Claim WORKERS COMPENSATION FUNDAMENTALS Know How to Navigate Your Claim Overview Workers Compensation System Rights and Responsibilities Return to Work Benefits Dispute Resolution Complaints vs Disputes 1 Workers

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

Opting Out: Workers Compensation System Alternatives

Opting Out: Workers Compensation System Alternatives Opting Out: Workers Compensation System Alternatives Moderator Chris Mandel Sedgwick Inc. Christopher J. Flatt Marsh USA Inc. Trey Gillespie Insurers Association of America Bill Minick PartnerSource Tim

More information

STATE OF TENNESSEE. Workers Compensation Advisory Council. REPORTS TO THE GENERAL ASSEMBLY and THE SPECIAL JOINT COMMITTEE ON WORKERS COMPENSATION

STATE OF TENNESSEE. Workers Compensation Advisory Council. REPORTS TO THE GENERAL ASSEMBLY and THE SPECIAL JOINT COMMITTEE ON WORKERS COMPENSATION STATE OF TENNESSEE Workers Compensation Advisory Council ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ REPORTS TO THE GENERAL ASSEMBLY and THE SPECIAL JOINT COMMITTEE ON WORKERS COMPENSATION Findings and

More information

EXECUTIVE SUMMARY. Associated Industries Of Florida

EXECUTIVE SUMMARY. Associated Industries Of Florida EXECUTIVE SUMMARY Proposed "WORKERS' COMPENSATION REFORM ACT OF 2001 Recommended by Associated Industries Of Florida There is a major crisis looming on the horizon on the Florida's Workers'' Compensation

More information

STATE OF OKLAHOMA WORKERS COMPENSATION COURT 1915 NORTH STILES OKLAHOMA CITY, OKLAHOMA 73105-4904 SURETY BOND OF SELF-INSURER OF WORKERS COMPENSATION

STATE OF OKLAHOMA WORKERS COMPENSATION COURT 1915 NORTH STILES OKLAHOMA CITY, OKLAHOMA 73105-4904 SURETY BOND OF SELF-INSURER OF WORKERS COMPENSATION STATE OF OKLAHOMA WORKERS COMPENSATION COURT 1915 NORTH STILES OKLAHOMA CITY, OKLAHOMA 73105-4904 SURETY BOND OF SELF-INSURER OF WORKERS COMPENSATION IN THE MATTER OF THE PERMIT OF ) ) ) S U R E T Y B

More information

Application for Primary Employer s Indemnity Policy

Application for Primary Employer s Indemnity Policy Application for Primary Employer s Indemnity Policy THIS IS NOT A POLICY OF WORKERS COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS COMPENSATION SYSTEM BY PURCHASING THIS

More information

MARCH 9, 2015. Referred to Committee on Commerce, Labor and Energy. SUMMARY Makes various changes relating to workers compensation.

MARCH 9, 2015. Referred to Committee on Commerce, Labor and Energy. SUMMARY Makes various changes relating to workers compensation. S.B. SENATE BILL NO. COMMITTEE ON COMMERCE, LABOR AND ENERGY MARCH, 0 Referred to Committee on Commerce, Labor and Energy SUMMARY Makes various changes relating to workers compensation. (BDR -) FISCAL

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

North Carolina State Government

North Carolina State Government North Carolina State Government W O R K E R S C O M P E N S A T I O N E M P L O Y E E H A N D B O O K PURPOSE The contents in this handbook are designed to provide employees of the State of North Carolina

More information

Arizona State Senate Issue Paper June 22, 2010 MEDICAL MALPRACTICE. Statute of Limitations. Note to Reader: INTRODUCTION

Arizona State Senate Issue Paper June 22, 2010 MEDICAL MALPRACTICE. Statute of Limitations. Note to Reader: INTRODUCTION Arizona State Senate Issue Paper June 22, 2010 Note to Reader: The Senate Research Staff provides nonpartisan, objective legislative research, policy analysis and related assistance to the members of the

More information

Table of Contents ARCHIVE

Table of Contents ARCHIVE Table of Contents 17.02.11 - Administrative Rules of the Under the Workers Compensation Law -- Security for Compensation -- Self-Insured Employers 000. Legal Authority.... 2 001. Title And Scope.... 2

More information

2013 Codification of Oklahoma Administrative Workers Compensation Act (Section 1 of Title 85A, et seq.)

2013 Codification of Oklahoma Administrative Workers Compensation Act (Section 1 of Title 85A, et seq.) 2013 Codification of Oklahoma Administrative Workers Compensation Act On May 7, 2013, Governor Mary Fallin signed into law Senate Bill 1062, instituting sweeping changes to the existing Oklahoma workers

More information

Information for Worker s Compensation Clients

Information for Worker s Compensation Clients Information for Worker s Compensation Clients Overview of the Worker s Compensation Act Indiana Worker s Compensation cases are governed by a State law known as the Worker s Compensation Act. The legislature

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

SURETY BOND - SAMPLE FORM

SURETY BOND - SAMPLE FORM FORM-SI-BOND SURETY BOND - SAMPLE FORM OKLAHOMA WORKERS COMPENSATION COMMISSION 1915 N. STILES AVENUE OKLAHOMA CITY, OK 73105 SURETY BOND OF SELF-INSURER OF WORKERS COMPENSATION IN THE MATTER OF THE PERMIT

More information

Workers Compensation: USA and California

Workers Compensation: USA and California International Social Security Association Conference Seminar III: Respiratory Diseases in Asia - Reporting, Recording, Prevention and Rehabilitation Shenzhen, Peoples Republic of China September 2006 Workers

More information

United States Workers Compensation/Indemnification Overview

United States Workers Compensation/Indemnification Overview United States Workers Compensation/Indemnification Overview January 18, 2012 Jill Kirila jill.kirila@squiresanders.com Kevin Hess kevin.hess@squiresanders.com 36 Offices in 17 Countries Workers Compensation

More information

SENATE BILL 721. By Green BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE:

SENATE BILL 721. By Green BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE: SENATE BILL 721 By Green AN ACT to amend Tennessee Code Annotated, Title 50 and Title 56, relative to workers compensation. BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE: new chapter:

More information

History of the Workers' Compensation Court For the Senate Joint Resolution No. 23 Study

History of the Workers' Compensation Court For the Senate Joint Resolution No. 23 Study History of the Workers' Compensation Court For the Senate Joint Resolution No. 23 Study Prepared for the Revenue and Transportation Interim Committee by Megan Moore, Legislative Research Analyst Legislative

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

The Employers Guide to. Pennsylvania s Workers Compensation Law

The Employers Guide to. Pennsylvania s Workers Compensation Law The Employers Guide to Pennsylvania s Workers Compensation Law Table of Contents About this Guide. 3 The Pennsylvania Workers Compensation Act: An Overview for the Pennsylvania Employer....4 Your Duties

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

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

Chapter 8. Office of the Director Subchapter 2. Administration of Self-Insurance Plans Article 1. Definitions

Chapter 8. Office of the Director Subchapter 2. Administration of Self-Insurance Plans Article 1. Definitions Chapter 8. Office of the Director Subchapter 2. Administration of Self-Insurance Plans Article 1. Definitions 15201. Definitions. The following definitions apply in Articles 1 through 13 of these regulations:

More information

10 LC 36 1527 A BILL TO BE ENTITLED AN ACT

10 LC 36 1527 A BILL TO BE ENTITLED AN ACT House Bill 1101 By: Representatives Coan of the 101 st, Marin of the 96 th, Smith of the 129 th, Horne of the 71 st, Dawkins-Haigler of the 93 rd, and others A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 7

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

SC Workers' Compensation. January 5, 2016 Presented by: Bill Shaughnessy McAngus Goudelock & Courie

SC Workers' Compensation. January 5, 2016 Presented by: Bill Shaughnessy McAngus Goudelock & Courie SC Workers' Compensation January 5, 2016 Presented by: Bill Shaughnessy McAngus Goudelock & Courie Opt Out South Carolina House Bill H4197 Introduced toward the end of the last 2015 Legislative Session.

More information

Disability. Short-Term Disability benefits. Long-Term Disability benefits

Disability. Short-Term Disability benefits. Long-Term Disability benefits Your plan provides you with disability coverage that gives you and your family protection against some of the financial hardships that can occur if you become disabled or injured. The benefits include:

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

211 CMR 51.00: PREFERRED PROVIDER HEALTH PLANS AND WORKERS COMPENSATION PREFERRED PROVIDER ARRANGEMENTS

211 CMR 51.00: PREFERRED PROVIDER HEALTH PLANS AND WORKERS COMPENSATION PREFERRED PROVIDER ARRANGEMENTS 211 CMR 51.00: PREFERRED PROVIDER HEALTH PLANS AND WORKERS COMPENSATION PREFERRED PROVIDER ARRANGEMENTS Section 51.01: Authority 51.02: Definitions 51.03: Applicability 51.04: Approval of Preferred Provider

More information

1 copyright 2012 workers compensation research institute

1 copyright 2012 workers compensation research institute Fees For Worker's Source Of Payments To Worker's Worker's Fee Worker's Fee Formula Alabama Statutory formula: 15% N/A Alaska As stated, 25% of first $1,000 and 10% of 10% of recovery or actual fees, Paid

More information

Introduction to Workers Compensation

Introduction to Workers Compensation Introduction to Workers Compensation FOCUS OF THIS CHAPTER: CHAPTER The focus of this chapter is to introduce the student to the basic concepts in a workers compensation system, including an outline of

More information

Wisconsin Contractors Institute. Worker s Compensation Laws

Wisconsin Contractors Institute. Worker s Compensation Laws Wisconsin Contractors Institute Worker s Compensation Laws For more information: Website: www.wicontractorsinstitute.com Email: questions@wicontractorsinstitute.com Phone: 262-293-6850 Chapter 5 - Wisconsin

More information

Workers Compensation. Coverage

Workers Compensation. Coverage All the States have adopted interstate agreements for the payment of benefits to workers who move across State lines. They also have made special wage-combining agreements for workers who earned wages

More information

North Carolina State Government WORKERS COMPENSATION EMPLOYEE HANDBOOK

North Carolina State Government WORKERS COMPENSATION EMPLOYEE HANDBOOK North Carolina State Government WORKERS COMPENSATION EMPLOYEE HANDBOOK November 2015 PURPOSE The contents in this handbook are designed to provide employees of the State of North Carolina with an understanding

More information

REFERENCE ACTION ANALYST STAFF DIRECTOR or. 1) Insurance & Banking Subcommittee 12 Y, 0 N, As CS Lloyd Luczynski

REFERENCE ACTION ANALYST STAFF DIRECTOR or. 1) Insurance & Banking Subcommittee 12 Y, 0 N, As CS Lloyd Luczynski HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: CS/HB 467 Insurance Guaranty Association Assessments SPONSOR(S): Insurance & Banking Subcommittee; Broxson TIED BILLS: IDEN./SIM. BILLS: SB 828 REFERENCE

More information

The History and Advantages of a Tribal Workers Compensation Program. Presented by Bob Dahl, TWC Program Manager

The History and Advantages of a Tribal Workers Compensation Program. Presented by Bob Dahl, TWC Program Manager The History and Advantages of a Tribal Workers Compensation Program Presented by Bob Dahl, TWC Program Manager Program Objectives Understanding of Workers Compensation The History of Tribal Workers Compensation

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS IMPORTANT NOTICE: The following Frequently Asked Questions and answers are intended to provide consumers and their counsel an overview regarding the liquidation of San Antonio Indemnity Company. Milford

More information

OKLAHOMA OPTION: Up & Running! How Does It Work? April 23, 2014

OKLAHOMA OPTION: Up & Running! How Does It Work? April 23, 2014 OKLAHOMA OPTION: Up & Running! How Does It Work? April 23, 2014 Presented by: Bill Minick (214) 239-4584 bminick@partnersource.com For More Information: Russell Huber Mike Moureau, JD (214) 239-4590 (214)

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

corporation with its principal place of business in the City of

corporation with its principal place of business in the City of TEXAS DEPARTMENT OF INSURANCE Division of Workers Compensation Self-Insurance Regulation MS-60 7551 Metro Center Dr., Ste 100 Austin, Texas 78744-1645 (512) 804-4775 FAX (512) 804-4776 www.tdi.texas.gov

More information

RULES OF TENNESSEE DEPARTMENT OF LABOR DIVISION OF WORKER S COMPENSATION CHAPTER 0800-02-01 GENERAL RULES OF THE WORKERS COMPENSATION PROGRAM

RULES OF TENNESSEE DEPARTMENT OF LABOR DIVISION OF WORKER S COMPENSATION CHAPTER 0800-02-01 GENERAL RULES OF THE WORKERS COMPENSATION PROGRAM RULES OF TENNESSEE DEPARTMENT OF LABOR DIVISION OF WORKER S COMPENSATION CHAPTER 0800-02-01 GENERAL RULES OF THE WORKERS COMPENSATION PROGRAM TABLE OF CONTENTS 0800-02-01-.01 Purpose and Scope 0800-02-01-.15

More information

Starr Indemnity & Liability Company Dallas, TX 1-866-519-2522

Starr Indemnity & Liability Company Dallas, TX 1-866-519-2522 Starr Indemnity & Liability Company Dallas, TX 1-866-519-2522 Occupational Accident Insurance Policy Group Master Application (the Application ) APPLICANT INFORMATION Legal Name ( Employer ) Contact Email

More information

INDUSTRIAL COMMISSION OF ARIZONA

INDUSTRIAL COMMISSION OF ARIZONA INDUSTRIAL COMMISSION OF ARIZONA WORKERS COMPENSATION INFORMATION FOR THE INJURED WORKER Phoenix Office: Industrial Commission of Arizona 800 W. Washington Street Phoenix, Arizona 85007-2922 Claims Phone:

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

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

TABLE OF CONTENTS Self-Insurance Certification

TABLE OF CONTENTS Self-Insurance Certification Workers Compensation Commission Sec. 31-284 page 1 (3-99) TABLE OF CONTENTS Self-Insurance Certification Definitions... 31-284- 1 Application process... 31-284- 2 Partial self-insurance... 31-284- 3 Delayed

More information

Summary of Certain Statutes and Bills Related to Independent Contractors Prepared by Damien J. Leonard, Esq. Office of Legislative Council May 7, 2015

Summary of Certain Statutes and Bills Related to Independent Contractors Prepared by Damien J. Leonard, Esq. Office of Legislative Council May 7, 2015 Summary of Certain Statutes and Bills Related to Independent Contractors Prepared by Damien J. Leonard, Esq. Office of Legislative Council May 7, 2015 Statutory Provisions: Workers Compensation: 601. DEFINITIONS

More information

COMPARISON OF STATE WORKERS COMPENSATION SYSTEMS. Texas Department of Insurance Workers Compensation Research Group

COMPARISON OF STATE WORKERS COMPENSATION SYSTEMS. Texas Department of Insurance Workers Compensation Research Group COMPARISON OF STATE WORKERS COMPENSATION SYSTEMS Texas Department of Insurance Workers Compensation Research Group 1 Table of Contents Page State Workers Compensation Coverage Requirements..2 Figure 1:

More information

2. any person whose employment is not in the trade, business, profession or occupation of the employer, unless the employer opts to cover them.

2. any person whose employment is not in the trade, business, profession or occupation of the employer, unless the employer opts to cover them. DOMESTIC SERVANTS & HOME-CARE PROVIDERS AND WORKER S COMPENSATION IN WISCONSIN Department of Workforce Development Worker s Compensation Division Bureau of Insurance Programs 201 E. Washington Ave., Rm.

More information

CHAPTER 2015-42. Committee Substitute for Committee Substitute for Committee Substitute for Senate Bill No. 252

CHAPTER 2015-42. Committee Substitute for Committee Substitute for Committee Substitute for Senate Bill No. 252 CHAPTER 2015-42 Committee Substitute for Committee Substitute for Committee Substitute for Senate Bill No. 252 An act relating to insurance; amending s. 408.909, F.S.; revising the due date for an annual

More information

Ohio Legislative Service Commission

Ohio Legislative Service Commission Ohio Legislative Service Commission Bill Analysis Kelly Bomba H.B. 205 131st General Assembly () Reps. Henne and Retherford, Becker, Butler, Hambley, Hood, Terhar, Maag, Brenner, Romanchuk, Amstutz, Reineke

More information

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

More information

NC General Statutes - Chapter 97 Article 4 1

NC General Statutes - Chapter 97 Article 4 1 Article 4. North Carolina Self-Insurance Security Association. 97-130. Definitions. As used in this Article: (1) "Association" means the North Carolina Self-Insurance Security Association established by

More information

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities Workers' Compensation in Oklahoma Employer 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 Employer s Rights & Responsibilities

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities Workers' Compensation in Oklahoma Employer 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

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

SHORT TITLE: Workers' compensation; allowing court discretion for acceleration of certain disability payments under certain circumstances; effective

SHORT TITLE: Workers' compensation; allowing court discretion for acceleration of certain disability payments under certain circumstances; effective SHORT TITLE: Workers' compensation; allowing court discretion for acceleration of certain disability payments under certain circumstances; effective date. STATE OF OKLAHOMA 2nd Session of the 45th Legislature

More information

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.

More information

THE INJURED WORKER. The first step is to report the injury or illness to your employer.

THE INJURED WORKER. The first step is to report the injury or illness to your employer. THE INJURED WORKER Who is entitled to workers compensation benefits? If you have an injury or illness caused by your job you may be entitle to workers compensation benefits, which are provided for you

More information

VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION

VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION CHAPTER 585 An Act to amend and reenact 38.2-2206 of the Code of Virginia and to amend the Code of Virginia by adding in Article 7 of Chapter 3 of Title 8.01 a

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

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

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

Workers Compensation 101

Workers Compensation 101 Workers Compensation 101 Small Business Guidebook ADP SMALL BUSINESS GUIDEBOOK Automatic Data Processing Insurance Agency, Inc. The Basics & Key Things You Need to Know Create a smart strategy to help

More information

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

Florida Workers Compensation Insurance Rates Decrease By 5.2% in 2015, Down by More than 57% Since the 2003 Reforms

Florida Workers Compensation Insurance Rates Decrease By 5.2% in 2015, Down by More than 57% Since the 2003 Reforms Florida Workers Compensation Insurance Rates Decrease By 5.2% in 2015, Down by More than 57% Since the 2003 Reforms A. Introduction. Rafael Gonzalez Vice President of Strategic Solutions Helios Tampa,

More information

TEXAS NON-SUBSCRIBER OCCUPATIONAL ACCIDENT INSURANCE POLICY APPLICATION

TEXAS NON-SUBSCRIBER OCCUPATIONAL ACCIDENT INSURANCE POLICY APPLICATION TEXAS NON-SUBSCRIBER OCCUPATIONAL ACCIDENT INSURANCE POLICY APPLICATION Application is hereby made for coverage (s), as specified per the signed attached quotation, to become effective on, at 12:01 AM

More information

Oklahoma and Its Option

Oklahoma and Its Option The Winds of Change: Oklahoma and Its Option Presented by: Mark Crawshaw, Ph.D., FCAS, MAAA Madison Consulting Group, Inc. CAS RPM Meeting March 10, 2015 Dallas, Texas Antitrust Notice Antitrust Notice

More information

The Commonwealth of Massachusetts Department of Industrial Accidents. For injured workers

The Commonwealth of Massachusetts Department of Industrial Accidents. For injured workers The Commonwealth of Massachusetts Department of Industrial Accidents For injured workers WHAT IS WORKERS COMPENSATION? The Massachusetts Workers Compensation system is in place to protect you if you are

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

LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION

LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.

More information

National Trends and Developments in Workers Compensation

National Trends and Developments in Workers Compensation Over the last 25 years, injured and ill workers rights have been rolled back in many states. At the same time, employers are emboldened by today's economy to pressure workers not to exercise the few rights

More information