How To Implement An Effective Workers Compensation Disability Management Program – Strategy 3 Of 10

Understand Your Workers Compensation Laws & Related Employment Statutes

With regard to workers compensation benefits this entails obtaining a working understanding of how the system works and what your legal parameters are. At a minimum you should have answers to the following questions:

·         What medical services must the employer provide?

·         Must the employer pay all physician and hospital bills?

·         Who chooses the physician?

·         Is there a limit to the number of physicians an injured employee may select at the employer’s expense?

·         May an employer require an exam by its physician?

·         What if the employee refuses to be examined?

·         What information must the employee give the employer?

·         Should the employee’s doctor send medical reports to the employer?

·         What information should be contained in the medical reports?

·         How is the amount of TTD benefits determined?

·         What is the minimum TTD benefit?

·         What is the maximum TTD benefit?

·         How is the amount of PPD benefits determined?

·         What is the minimum PPD benefit?

·         What is the maximum PPD benefit?

·         What if an employee cannot return to the same occupation after an injury or exposure and cannot earn as much money?

·         How is the amount of PPD benefits determined?

·         How long is the PTD benefits paid?

·         What is the minimum PTD benefit?

·         What is the maximum PTD benefit?

·         What are the employer’s claim reporting requirements?

·         What are the consequences to the employer for failure to report?

·         What are the employee’s claim reporting requirements?

·         What are the consequences to the employee for failure to report?

·         Can an employee be fired because he or she reported an accident?

·         What is the process for settling a claim?

It is strongly recommended that you understand the worker compensation laws in each state of operation and stay current on any changes that may occur. It is also strongly recommended that you become and stay fully informed of your requirements and obligations under the Family Medical Leave Act (FMLA), the American with Disabilities Act (ADA), and similar federal and state laws. Each has a component that further complicates your disability management process.

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