Workers Compensation Case Study

He may be eligible for Social Security benefits and may also qualify for certain worker's compensation benefits. However, he should probably purchase additional long-term disability income coverage in order to provide for adequate income replacement in the event of a prolonged or permanent disability—especially in view of his somewhat hazardous occupation of window washing. Better short-term disability coverage with a 60- or 90-day waiting period and a relatively long duration of benefits would also be useful. Such coverage would probably have been beneficial in light of Zach’s current injuries (for which he had been hospitalized sixty days and will probably be unable to work for a few additional months). The amount of coverage Zach ultimately buys will, of course, depend upon his available financial resources. Zach does need to analyze his health insurance plan(s) and increase his coverage

This also includes sickness benefits in case of an illness or injury that leaves you temporarily unable to work.

Employers operate disability management programs because it gives them a structured way to manage workplace costs associated with workplace illness and injury. Costs can be controlled through maintaining skilled workers and limiting absences to maintain a productive workforce. The program is also thought to “prevent workplace injury and illness and to accommodate workers in a manner that facilitates early and safe return to work.” (Management of Occupational Health and Safety, 2011, 329) I also feel that employers operate disability management programs as a way to keep themselves out of financial hardship and legal issues which could stem from a workplace injury or illness.

Medical Benefits pays for work related injuries or illnesses deemed medically necessary and reasonable. You can obtain this without any specific limit of time, the worker may choose the treating doctor except in the case of an emergency for all medical care for an injury or illness.

They have their own compensation act that will give an injured employee benefits, no matter where the injury occurred, as long as they were performing a function of their job while receiving a federal government paycheck. The compensation act also covers any occupational diseases that are sustained over multiple days or shifts.

This type of insurance is set in place to help employees when they are injured. Depending on the situation, the injury would cause the individual to be determined as unable to work or may just lose time at work. The employee could spend weeks or months even in recovery. Disability is set in place to cover the necessary bills and expenses accumulated before and after the injury, almost like having a form of income protection, to help the alleviate stress and worry. According to Gluck (n.d.), disability coverage last from 12 to 18 months this will enable the employer sufficient time to obtain an applicant capable of performing the required task and opportunity to them. Disability insurance is broken down into two terms: long term and short term to meet the member’s needs at that present

We as medical billers must first understand what workers compensation is and how important it is to get a WC claim paid as soon as possible. Workers’ Compensation is responsible for 100% coverage when it comes to work related injuries, illnesses, disabilities, conditions, or death that have arose from and during the course of employment. By law, the employer is the responsible party when it comes to paying benefits for and injured or illness that is work-related. When the medical biller receives a WC claim, he or she must obtain a statement of what happened, this will help determine if the claim is covered by WC or regular insurance. The biller must remember that job-related injuries or illnesses happened during work-related duties. Also,

When you get injured at work or suffer from an occupational disease, you are generally covered by Workers’ Compensation which compensates you for medical expenses and some lost wages. However, Worker’s Compensation does not cover you for long-term losses of income, for permanent medical conditions or for ongoing losses of income from the effects of a workplace illness or accident.

Whether injury is a result of work or not can be challenged along with whether a claim for compensation can be made

Medical expenses are usually covered in full under workers’ compensation laws. It is a no-fault system; all job-related injuries and illnesses are covered regardless of where the fault for the disability is placed.

Offering disability insurance for your employees is a smart thing to do. Your employees will appreciate the peace of mind short-term and long-term disability insurance policies bring to them. The world is full of chances, and a little bad luck can have far-reaching consequences. Disability insurance provides security—so long as your disability insurance policy is a good one, of course.

Disability Insurance pays a monthly income when you’re unable to work due to illness or injury. Other plans may provide a limited pay period, however disability insurance offers the option for selecting short term disability and/or long

Believe it or not, workers compensation actually covers those whose preexisting conditions worsen due to work. For example, if you have a bad back and you work construction and you suffer from an injury that makes your condition worse, you are eligible to receive workers compensation benefits. To put it into simpler terms, you can receive benefits even if the initial injury wasn't caused by your current job—as long as your job made the

This means that policy holders get benefits after a short period of time of up to fourteen days. The holder is then covered for the amount of time that is specified in the policy, which can be from some months up to a year. The policy also shows the maximum coverage amount. Some of the reasons for payouts include birth of a child, a lengthy illness or a disabling injury. On the other hand, long term disability covers illnesses and injuries that hinder an individual from working. It offers coverage over a long period of time compared to the short term disability coverage. Some of the claims include cancer, mental disorder, injuries, cardiovascular or circulatory disorders and others (Dickson,

Disability insurance is the simplest way you can replace your lost income or paycheck in case you get injured and unable to work. If you consult with a licensed disability insurance agent, you’ll be surprised at the several riders you may be missing out in the disability insurance coverage.