Worker's Compensation and ADA Lecture Powerpoint Flashcards
Worker’s compensation definition
Payment from private insurance companies for medical expenses and wage loss compensation benefits if an individual sustains a job injury or work related illness until they are able to go back to work, or if death occurs will pay death benefits to dependent survivors
1st modern system of worker’s compensation
Workers Accident Insurance of 1884
No Fault Type Plan Workers comp
Refers to modern system of coverage for worker’s compensation how every employer is liable for compensation for personal injury to and deaths of each and any employee regardless of how incident occurred and regardless of age**
Who may not be covered under workman’s compensation? (5)
- some executive offices
- religious exemption
- farmers in certain situations
- independent contractors
- certain federal gov employees
When is an individual covered by workman’s compensation?
Immediately after hire, when performing any work related duties inside our outside business, any employer required activities, not dependent on use of private/public/company equipment if it is work related
(Specific loss benefits of worker’s comp)
Body parts included under permanent loss (8) in worker’s comp
Body parts included under serious/permanent disfigurement (4) in worker’s comp
- thumb, finger, hand, arm, foot, toe, sight, hearing
- neck, face, head, hand
4 benefits entitled to by worker’s comp
- lost wages
- death benefits
- specific benefits
- medical care
In order to receive compensation under worker’s comp, must use a ____ provider from a list and said provider must act within ___ days from the day of the injury, after that the employee may see any provider he or she choses
Designated provider, 90 days
Workers comp is regulated at what level of government?
State level
Who pays for workers comp?
Employer is legally mandated to pay thru private insurer or state gov via premiums
Independent Medical Examination
Mandate that an insurance company can require a separate provider of their choice to examine a patient who is suspect or they believe is making unreasonable claims from their initial worker’s comp visit
