Claims Test Flashcards
Palliative care
This is medical service rendered to reduce or moderate temporarily the intensity of an otherwise stable medical condition, but does not include those medical services rendered to diagnose, heal, or permanently alleviate or eliminate a medical condition. ORS 656.005(20)
Occupational disease (OD)
This includes any disease or infection arising out of and in the course of employment caused by substances or activities to which an employee is not ordinarily subjected or exposed other than during a period of regular actual employment therein, and which requires medical services or results in disability or death. ORS 656.802
New condition
A condition that develops after the notice of acceptance is issued. ORS 656.627
Medically stationary (Med Stat)
No further material improvement is expected with either treatment or the passage of time. ORS 656.005(17)
Disabling injury
A disabling injury entitles the worker to compensation for disability or death. An injury is not disabling if no temporary benefits are due and payable, unless there is a reasonable expectation that permanent disability will result from the injury. ORS 656.005(7)(c)
Compensable injury
A compensable injury is an accidental injury, or accidental injury to prosthetic appliances, arising out of and in the course of employment requiring medical services or resulting in disability or death. An injury is accidental if the result is an accident, whether or not due to accidental means, if it is established by medical evidence supported by objective findings. ORS 656.005(7)
What are the seven uses for the Form 827
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• First report of an injury or disease (must be sent to the insurer within 72 hours of the initial office visit)
• Request to accept a new or omitted medical condition
• Report of aggravation
• Notice of change of attending physician or nurse practitioner (must be sent to the insurer within 5 days of the office visit)
• Progress report
• Closing report
• Palliative care request
What are the 10 key Divisions within OAR 436?
Division 9 – Oregon Medical Fee and Payment Rules
Division 10 – Medical Services Rules
Division 15 – Managed Care Organization Rules
Division 30 – Claim Closure and Reconsideration Rules
Division 35 – Disability Rating Standards
Division 55 – Certification of Claims Examiners Rules
Division 60 – Claims Administration Rules
Division 105 – Employer-at-Injury Program Rules
Division 110 – Preferred Worker Program Rules
Division 120 – Vocational Assistance to Injured Workers
What are the divisions within DCBS that deal specifically with workers’ compensation
Workers’ Compensation Division (WCD)
Workers’ Compensation Board (WCB)
Initial Claim
The first open period on the claim immediately following the original filing of the occupational injury or disease claim until the worker is first declared medically stationary by an attending physician or authorized nurse practitioner. OAR 436-010-0005(19)
Claim
This means a written request for compensation from a subject worker or someone on the worker’s behalf, or any compensable injury of which a subject employer has notice or knowledge. ORS 656.005(6)
ALJ
Administrative Law Judge
AP
Attending Provider/Physician
ATP
Authorized Treating Physician
CDA
Claim Disposition Agreement
DCBS
Department of Consumer and Business Services
DCS
Disputed Claims Settlement
DEP
Direct Employment Plan
MNOA
Modified Notice of Acceptance
MOI
Mechanism of injury
NOA
Notice of Acceptance
NOC
Notice of Closure
PCE
Physical Capacity Evaluation
PPD
Permanent Partial Disability
PTD
Permanent Total Disability
PWP
Preferred Worker Program
JA
Job Analysis
JD
Job Description
TPD
Temporary Partial Disability (Disability based upon wage loss)
WCB
Workers Compensation Board
WCD
Workers’ Compensation Division
Which section in the Oregon Revised Statute (ORS) covers the statutes related to workers’ compensation?
Oregon Revised Statute 656 – Laws related to Workers’ Compensation.
Which chapter of the Oregon Administrative Rules (OARs) covers the rules related to workers’ compensation?
OAR 436
What is the purpose of Form 801
Purpose: The employer uses this form to report an on-the-job injury.
Timeframe: It must be submitted to the insurer by the employer within five days of the employer’s date of knowledge of a claim being made.
What are the reasons for the Form 1502
Reasons: The insurer uses this form to report information to WCD including first report of a claim decision (disabling acceptances, all denials including partial denials), new or omitted condition reopening, aggravation decision, reopening for voc training, litigation ordered acceptance, change in acceptance or disability status, correction of previously submitted info, and MCO enrollment after a previous report.
Timeframe: The insurer must submit with 14 days of the action that requires reporting (for example, 14 days from the date of denial or acceptance on a disabling claim).
When should a Form 1502 be sent in a nondisabling claim?
A 1502 is sent only if the nondisabling claim is denied.
What is the purpose of the Form 1503 — Insurer Notice of Closure Summary and when should it be sent to WCD?
Purpose: The insurer uses this form to provide notice of the insurer’s claim closure and includes time loss payments, medical payments, and the worker’s return to work status.
Timeframe: It must be submitted within 14 days of obtaining information needed to close a claim.
What is the purpose of the Form 1644 — Notice of Closure and when should it be sent to WCD?
Purpose: The insurer uses this form to provide notice to the worker of claim closure and includes extent of benefits, time loss payments, permanent disability, if any, and appeal rights.
Timeframe: It must be submitted within 14 days of obtaining information needed to close a claim.
What is the purpose of the Form 2807 — Insurer Notice of Closure Worksheet and when should it be sent to WCD?
Purpose: The form is used by insurers to calculate disability benefits before entering the information on to the Form 1644 – Notice of Closure.
Timeframe: It must be submitted within 14 days of obtaining information needed to close a claim.
LIER
Last Injurious Exposure Rule - Used in occupational disease claims, the employer upon whom the rule “triggers” is presumptively responsible for the claim.
LIR
Last Injury Rule - The last injury that made an independent contribution to the underlying pathology of the condition, even though it is slight, is responsible. A contribution to the symptoms, but not the pathology, is not sufficient.
What is the purpose of a designated paying agent order (also known as a .307 Order)?
The claim is compensable, but there is a dispute as to which insurer or employer is responsible. A designated paying agent order (.307 Order) allows the worker to receive benefits until the responsibility issue is resolved.
What three situations typically make a claim NOT compensable?
- Injury occurs to any active participant in assaults or combats that are not connect to the job assignment and are a deviation for customary duties.
- Injury occurs while engaging in or performing any social or recreational activity primarily for the worker’s pleasure.
- Major contributing cause of the injury is caused by the worker’s consumption of drugs or alcohol. Major cause must be demonstrated by a preponderance of the medical evidence.
How is an injury claim most often described?
An injury claim usually occurs within a discreet period of time. An injury has a sudden and acute onset.
What does the phrase “course and scope” mean?
• “Arising out of” means there is a causal relationship to work.
• “In the course of” refers to the time, place, and circumstances surrounding the accident.
ORS 656.005(7)(a)
What four questions should you ask yourself to help determine if you are dealing with a compensable combined condition?
- Is there a compensable injury?
- Is there a qualified preexisting condition?
(See the General Definitions section.) - Did the injury combine with the qualified preexisting condition?
- Is the combined condition compensable?
MTR
Medical Treatment Review. Formal review of medical treatment. The Insurer can send a form to the Attending Physician and ask them to review the treatment program for a claimant
Can you pay TTD and TPD in the same claim?
Yes
What information is required before an adjuster pays time loss?
AUTHORIZATION - The attending physician or authorized nurse practitioner (or Type B provider if appropriate) must be able to verify the worker’s inability to return to work and then authorize time loss.
Generally, when is the first time-loss payment due by statute?
14 days from the employer’s date of knowledge and/or the worker’s disability.
When is the first time-loss payment due by SAIF’s best practice?
13 days from the employer’s date of knowledge.