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5 Key Components of an Effective Return-to-Work Program

5 Key Components of an Effective Return-to-Work ProgramWhen an employee is injured on the job, the employer is required to give them enough time to completely heal from their injuries before they return to work. However, it is possible for injured workers to be away from work too long, and it can even affect workers’ compensation premiums for the employer. Statistically, the longer an injured worker remains out of work due to an injury, the less likely they are to return to work at all. For example, …

Alternative Coverage: Breaking Down Large-Deductible Workers’ Compensation Plans

Alternative Coverage: Breaking Down Large-Deductible Workers’ Compensation PlansNo matter what state a business operates in, workers’ compensation is available to help protect said businesses and its employees. Requirements vary on a state-by-state basis, and in some states coverage is not required at all. For many businesses, especially large corporations, handling workers’ comp cases for out-of-state employees, part-time workers or certain contractors can be a difficult process. Additionally, rising premium costs in some states have led business owners to seek out alternatives to traditional guaranteed cost workers’ comp …

Pennsylvania Legislature Introduces Law to Funnel Asbestos Claims into Workers’ Compensation System

Pennsylvania Legislature Introduces Law to Funnel Asbestos Claims into Workers’ Compensation SystemA new workers’ compensation law is being introduced into Pennsylvania legislature that may soon make exposure to asbestos and other hazardous materials in the workplace a workers’ compensation-exclusive remedy in the state.

The bill, H.B. 2207, is sponsored by 11 state representatives and aims to combat civil lawsuits regarding illness as a result of hazardous materials, such as asbestos, in the workplace by including asbestosis, mesothelioma and other diseases that don’t show immediate symptoms under the “exclusive remedy” of …

New York State Workers’ Comp Board Proposal Includes Two Potential Changes

New York State Workers’ Comp Board Proposal Includes Two Potential ChangesThe New York State Workers’ Compensation Board has introduced a proposal aimed at making several improvements in the overall medical treatment of injured workers. The proposal includes two potential major changes, as well as a few other enhancements. Combined with other recent Board initiatives, the board is hopeful that these changes will encourage more health providers to treat workers’ compensation claimants.

Workers’ Compensation Board Chair Clarissa M. Rodriguez commented on the proposal in a Board press release, saying that …

New Jersey Workers’ Comp Case Shines Light on a Different Type of Fraud

New Jersey Workers’ Comp Case Shines Light on a Different Type of FraudA New Jersey women was recently arrested for theft after she allegedly collected over $46,000 in fraudulent workers’ compensation benefits. Workers’ comp fraud is not uncommon, but in this particular case, the funds were not even meant for the woman in the first place. Wanda Berry, 53, of Jersey City, was indicted on charges of second-degree insurance fraud and third-degree theft by deception in an indictment handed up by a state grand jury in Trenton.

Berry had been …

Workers’ Comp Employee Misclassification a Costly Mistake

Workers’ Comp Employee Misclassification a Costly MistakeEmployers in almost every state are required to purchase workers’ compensation insurance to provide benefits to employees who become sick or injured due to their jobs. Workers’ compensation statutes are meant to protect both sides – employees receive benefits for workplace accidents or injuries regardless of fault, and in return employers have some amount of protection from lawsuits brought on by employees seeking monetary damages for work-related injury or illness.

Employers with less than a certain number of employees, or …

Medical Marijuana and Workers’ Compensation

Medical Marijuana and Workers’ CompensationAs the opioid crisis remains at epidemic levels in the United States, many doctors are turning to prescribing medical marijuana as an alternative to addictive narcotics. Some studies suggest that marijuana can be as effective as opioids – or even more so –  in treating traumatic injuries. According to a 2017 study on cannabis as a substitute for opioid-based pain medication, 92% of respondents said that they preferred cannabis to opioids for the treatment of their condition and 93% …

3 Myths and Facts About Medicare Set-Asides

3 Myths and Facts About Medicare Set-AsidesA Workers’ Compensation Medicare Set-Aside Arrangement (WCMSA) is a financial agreement that allocates a portion of a workers’ compensation settlement to pay for future medical services related to the workers’ compensation injury, illness, or disease. Workers compensation carriers are often required to establish Medicare Set-Asides (MSAs) that help pay for future work-related injury costs. These funds must be depleted before Medicare will pay for treatment related to the workers’ compensation injury, illness, or disease. Simply put, MSAs were created to …

Identifying and Approaching Workers’ Comp Fraud

Identifying and Approaching Workers’ Comp FraudWherever there are systems for obtaining compensation, there are parties who will attempt to manipulate those systems for their own personal gain. When it comes to the insurance world, workers’ compensation is believed to be one of the lines that is most vulnerable to fraud.

Workers’ compensation insurance is designed to protect both employers and employees when an injury or illness occurs at work. Each state has its own specific rules and regulations, but for the most part, workers’ compensation …

7 Common Workers’ Compensation Claims

7 Common Workers’ Compensation ClaimsWorkers’ compensation is an essential protection for employers in any industry. Though each state has different laws regulating workers’ compensation programs, one thing is always for certain: accidents are going to happen in the workplace. Employee injuries can happen at anywhere and anytime, making them hard to predict, but that doesn’t mean employers have to be unprepared. Here is some information on 7 common workers’ compensation claims, to help you keep your clients informed and prepared.

1. Slip and Fall