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Started By
Message
re: Louisiana Workers Comp Questions
Posted on 1/30/18 at 9:56 pm to cgrand
Posted on 1/30/18 at 9:56 pm to cgrand
quote:
before you call me a dick, here is how i would handle it:
1) send you to the doctor
2) reimburse you for reasonable medical expenses
3) put you on light duty at full pa
Would you allow an untrained claim adjuster to just jump into your crew and perform the craft that your company provides. Doubtful. What makes you think you can handle a claim properly.
You, sir are in violation of your obligations to promptly report the claim to your WC carrier. If the claim takes a downward turn and your WC insurer has been unduly prejudiced in handling the claim they might decline to cover you. If penalties are assessed due to your inept assumption of claims handling you may be forced to pay it.
You have no right to force your employee to incur his own medical expenses and hope to be reimbursed eventually for " reasonable medical expenses." Who determines reasonableness?
Do you not know that medical payments are governed by a fee schedule? That there is a process to having medical procedures approved?
Of course once your realize how expensive a WC claim can actually be you will make a belated report to the carrier and expect them to clean up the mess you created.
Don't be a dick, report your claims properly. Would you allow an untrained claim adjuster to just jump into your crew and perform the craft that your company provides. Doubtful. What makes you think you can handle a claim properly.
2
Posted on 1/30/18 at 10:02 pm to tigersbb
Some of the experts on this topic have made me dig deeper at least into Texas Workman’s Comp.
Unless federal job or in a selected field you are not required to take a drug test. HOWEVER, refusal puts you at the mercy of your employer and they may be able to fire you on that alone.
So in other words, if you get asked to take one and refuse, enjoy the doctors visits because more than likely you won’t have a job for much longer.
Link to law firm:
LINK /
Unless federal job or in a selected field you are not required to take a drug test. HOWEVER, refusal puts you at the mercy of your employer and they may be able to fire you on that alone.
So in other words, if you get asked to take one and refuse, enjoy the doctors visits because more than likely you won’t have a job for much longer.
Link to law firm:
LINK /
This post was edited on 1/30/18 at 10:05 pm
Posted on 1/31/18 at 9:00 am to tigersbb
quote:
Would you allow an untrained claim adjuster to just jump into your crew and perform the craft that your company provides. Doubtful. What makes you think you can handle a claim properly.
You, sir are in violation of your obligations to promptly report the claim to your WC carrier. If the claim takes a downward turn and your WC insurer has been unduly prejudiced in handling the claim they might decline to cover you. If penalties are assessed due to your inept assumption of claims handling you may be forced to pay it.
You have no right to force your employee to incur his own medical expenses and hope to be reimbursed eventually for " reasonable medical expenses." Who determines reasonableness?
Do you not know that medical payments are governed by a fee schedule? That there is a process to having medical procedures approved?
Of course once your realize how expensive a WC claim can actually be you will make a belated report to the carrier and expect them to clean up the mess you created.
Don't be a dick, report your claims properly. Would you allow an untrained claim adjuster to just jump into your crew and perform the craft that your company provides. Doubtful. What makes you think you can handle a claim properly.
quote:
tigersbb
Just reiterating this. Tigersbb obviously lawyers or insures. I would turn it into work comp and let it run its course. The injured employee could be sitting at home on pain pills and see a get gordon commercial and call them. Its all down here from there.
Also- to the EMOD claim. Yes it will be effect your emod- but when computing it only the first 8,000 is weighted heavily into the emod. Anything over the 8,000 is not weight as heavily. The calculation also takes into account the frequency vs severity of claims. Lots of $5,000 weigh more heavily than one $25,000 claim.
If you do have a claim, ask the agent upon renewal to make sure the claim was submitted correctly. For example a claim may be closed and done but adjuster may not close it out. An open claim affects renewals. Also ask agent to make sure paid out amounts are correct. If claim only paid out 8,000 and is closed, then you dont want the 10,000 reserve on there.
Good article from NCCI about EMOD
This post was edited on 1/31/18 at 9:06 am
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