Posted: Wed Oct 22, 2008 10:16 am Post subject: Workers compensation rights and responsibilities
Hi..I'd like to know about the benefits that my employees would get out of a workman's compensation insurance. Please tell me about their rights and responsibilities under such regulations. Do I also need to be under any scanner with such laws? What steps do I take under circumstances when I feel the my employee has not filed an honest claim?
Goose_burnett _________________ Register Now to have your Insurance queries solved.
Do I also need to be under any scanner with such laws?
You being an employer would surely need to share some of the responsibilities. You'd need to follow the guidelines laid under the state Workmen's compensation law. You'd need to make sure that your employees would not face any hassles while filing Workmen's claims. For this purpose you'd need to obtain the necessary forms e.g. "First report of injury". So, it is advisable that you get prepared from now on if you're gonna offer any employment opportunity. Purpleheaded08 _________________ Register Now to have your Insurance queries solved.
Hi there...make sure that you address all the injuries or sufferings of your employees in time. Make sure that they get medical treatment in the right time. You should also note that all the costs associated with your employees' medical treatments are to be charged to your workmen's compensation fund. These expenses should never be charged to your employees' health insurance. Wish you all the best!
Crossbreed _________________ Register Now to have your Insurance queries solved.
Hi,
I'd like to name four benefits which I think would be most relevant to this topic. Workmen's compensation laws would generally suggest insurance carriers to offer these four benefits in the first place-
(i) Medical costs (ii) Indemnity costs associated with both short term and long term disability (iii) Offering rehabilitation services (iv) death benefits. These indemnity expenses are calculated upon the lost wages.
Thanx, Plasticmind _________________ Register Now to have your Insurance queries solved.
A lot of information seems to spill from all quarters!
Across almost all states the physician certifying the workmen's injuries could be chosen by the employees themselves. An employee could also exercise his right to appoint an attorney who'd pursue his case in the court of law. But as an employer you'd need to make sure that you're satisfying the medical need of your employees whenever it is demanded. Good luck! Roddick
Employees do have the right to file a lawsuit against delayed claims under the workmen's comp laws. The same goes good with the disputed claims. All that they would need to do under such circumstances is to register such cases with the state workmen's compensation commission.
Regards, Fatman
See...my friend...lemme just have the opportunity to tell you one thing over here..if you'd think about the well being of your employees now..they would certainly yield better results in the future.
This workmen's comp plan is aimed at providing you with a platform that eases the rejoining of your employees. All these benefits are guided and founded by state laws..so you need not worry at all!
Caromel_merquez _________________ Register Now to have your Insurance queries solved.
Hi!
I'd like to lay stress on the fact that workmen's compensation insurance is meant to support your employees' sufferings. But yeah, they can't sue you for any personal injuries or for accidents caused out of negligence on their part. So, in a way they are covering your employees and thus indirectly securing your future prospects. Mermaid-attitude _________________ Register Now to have your Insurance queries solved.
My friend, if under any circumstances you come across a false claim from any of your employees, then you can certainly do something about it. Just go ahead and attach a letter along with your employee's claim. This letter should state the reason why you believe it could be an illegal claim. I'm sure that the insurance carrier or the commission would look into the case and if required take steps. Go ahead! Roddick
I'm sure that the insurance carrier or the commission would look into the case and if required take steps.
Yes, they will..but at the same time I'd request you to be careful that you don't express doubts over legitimate claims. You can't benefit out of hurting an employee's feelings, nor can you overlook the possibilities of claim-cost hikes in the future. Plasticmind _________________ Register Now to have your Insurance queries solved.
Hi, you do have some well defined rights. Across many states employers do have the right to choose a certain physician (as per their agreement) to scan their employees' injuries as well as medically treat them under their own supervision. They would thus have an opportunity to check out the recovery process to their best interests (the employees won't have any excuse to fake a delayed treatment). Hope you found that simple! Crossbreed _________________ Register Now to have your Insurance queries solved.
The only requirement I know of for an employer is to post that big WC poster with the name of the carrier so that employees can see it. That and not to discourage employees from filing a claim.
As mentioned, the biggest benefit the employee sees from WC is tort immunity. That can be _HUGE_!
I bet this can be a confusinf field. I have see alot of people on workers comp (esp at my hubbys work) that doesn't need to be. They claim they are injured but then you see them out doing things they shouldn't be a ble to do with their injury or working under the table. This makes a hard worker angry. I have also seen it reported and then nothing done about it.
Yup... in this area the WC laws are written to favor the injured party. I'm not saying it should be any different but in many cases it makes financial sense for the carrier to just pay the claim.
