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Worker's Compensation Claims

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Worker’s Compensation Claims Process

January 21, 2012

HCR/230

Worker’s Compensation Claims Processing is necessary in order to cover an injured worker as timely as possible, and when done properly can have a significant effect on a company and the injured worker who filed a claim. The Worker’s Compensation claims process has several parts. The very first step of the claim process is reporting the worker’s incident to the employer and insurance carrier. This task must be done in a timely manner and should be in writing. There is a deadline for making a claim on an injury and it may vary from state to state. The next step in the claim process is the initial medical exam. The injured employee is sent to a physician. Usually, the physician is of the employer’s or insurance carrier’s choice, but there is an exception. The exception is an employee who specifically states in writing to the employer, that he or she wants their primary doctor to treat them for any injuries. The physician who first attends to the injured worker is now the “physician of record” and must be sure to properly collect and record certain information that will be needed for the worker’s claim. The physician of record is not only responsible for treating the worker’s injury, but also responsible for determining the percentage of disability and the return to work date (if applicable). Progress reports by the physician/provider to the insurance carrier are made when there is a significant change to the worker’s condition that affects disability status, or when required by the state’s rules and regulations. The provider must submit the charges to the worker’s compensation insurance carrier in order to receive a direct payment. All payments are taken from a set fee schedule.
The next step of the process outlines the

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