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Worker's Compensation Claims Process

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Worker's Compensation Claims Process
“In order for an injury to be covered under a workers’ compensation plan it must be in result in personal injury or death, occur by accident, arise out of employment, and/or occur during the course of employment. Workers’ compensation insurance pays an employee’s medical bills that result from a job-related injury; disability compensation programs do not pay medical expenses. Workers’ compensation insurance provides coverage for illnesses and injuries that are job-related. Most disability compensation programs provide benefits for injuries or illnesses that are not work-related.” (Valerius, J., Bayes, N., Newby, C., & Seggern, J. (2008). Medical insurance: An integrated claims process approach (3rd ed.). Boston, MA: McGraw-Hill)
“The physician who treats the injured or ill employee is known as the physician of record.” (Valerius, J., Bayes, N., Newby, C., & Seggern, J. (2008). Medical insurance: An integrated claims process approach (3rd ed.). Boston, MA: McGraw-Hill) The physician’s responsibility is to determine the patient’s condition, percentage of his/her disability, and when he/she is able to return to work. The physician will file a progress report with the insurance carrier showing changes of the patient’s (employee) condition which may affect his/her disability status.
It is the responsibility of either the employer or physician to file the first report of injury within a period of time, this time varies from state to state; within a time frame of ranging from twenty-four hours to ten days. “This determination is either an Admission of Liability, stating that the employer is responsible for the injury, or a notice of Contest, which is a denial of liability.” (Valerius, J., Bayes, N., Newby, C., & Seggern, J. (2008). Medical insurance: An integrated claims process approach (3rd ed.). Boston, MA:

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