Understanding Work Related Injuries

Have you ever thought what would happen if you got turn in on the job or while traveling between views or worsened yet if you get sick because of the type of work out that you ar use to do? If you sometimes think ab step up this in that location is no lack to worry. The reason that I say this because every follow out there Federal and State alike atomic procedure 18 pick outd to have workers fee benefits. There argon rules and dominion that atomic number 18 put into manoeuvre to hold off you safe while on the job or on the fellowships property.The organization that oversees this would be the Occupational Safety and wellness boldness (OSHA) that was developed in 1970 to protect workers from health and safety risks. Although altogether employers argon overseen by OSHA there are a select few that are not these would be independent contractors, churches, domestic workers in nonpublic domicile settings, and federal employees (Valerius?bay?Newby?Seggern, 2008). Federa l employers have their own pay plans that are cover chthonian the Federal Employees Compensation ACT (FECA).The archetypical of iv plans would be the long shore and Harbor workers hire plans. This covers employees of in the oceanic field. The second federal chopine would be the Black Lung Program. This covers employees that are active or previously employed in coal mines. The third and final program is the energy employees occupational unwellness hire program act. This covers employees or previous employees that have developed stoolcer and other good illness from energy exposure.State workers compensation covers entirely others neglect federal employees, inmates employed by the prison self- employed, for hire domestic, drivers under read agreement, volunteers, independent, clergy and church members, and lastly agricultural laborers. No motion if you are a state or federal employee there are 2 dissimilar workers compensation programs that you will be covered under. The first unitary covers the medical examination examination costs that are incurred due to the injury the second covers the doomed reward that has come from the injury.When a person is injured on the job, on the companys property, or performing a work related to childbed they will be covered under workers compensation. If an employee is injured they engage to maintain their employer promptly so that proper medical discourse can commence. The employee unremarkably necessitate to put the injury in writing as well as know as the first report of injury, the medico depending on the restitution whitethorn need to be the one to fill this form in. at once this is do the employer overly has to file their own claim with the state workers compensation office as well as the redress company ( take shapeers Compensation- the Workers Comp usefulness Center, 2009). Depending on the severity and urgency of the injury the insurance company may require a form to be filled out by th e physician of record. The physician of record is the physician who first treats the employee. This physician is also amenable for determining the amount of constipation and if and when the employee may return to work.The Physicians of book of account moldiness according to insurance company or state regulation mustiness file a progress report at real intervals of the treatment or when there is a change that will f every(prenominal) upon the disability status. Once the insurance company gets the claims that may be filed electronically depending on the newsboy has to now issue a claim number and separate if the injury will or will not be covered by workers compensation.Once this is determined than the insurance company needs to propound the employer on the determination. If the claim is accepted than monies that the employee loses from not creation capable to work are sent right the employee with no income tax being withheld and all medical bills are paid. If the claim is d enied by workers compensation than the employee is responsible for the medical bills and may submit the medical bills to their own medical insurance carrier to be paid, but the employee does not receive lost wages.No matter what the outcome is of the claim HIPPA rules and regulations are not strictly enforce to nourishment the privacy of the injured employee. However, most states allow claims adjusters and employers unrestricted ingress to the workers compensation files. Patient Health Information may be expose without the endurings authorization. The employee cannot even ask that their information be withheld from the employer.ReferencesValerius?Bayes?Newby?Seggern. (2008). checkup Insurance An. The McGraw?Hill. WokersCompensation- The Workers Comp Service Center. (2009). Retrieved May 15, 2011, from WorkersCompensation.com http//www.workerscompensation.com/Valerius, Bayes, Newby, Seggern. (2008). Medical Insurance. In An Intergrates Claims affect Approach, deuce-ace Editi on (pp. 292 298). New york McGraw Hill. WokersCompensation- The Workers Comp Service Center. (2009). Retrieved May 15, 2011, from WorkersCompensation.com http//www.workerscompensation.com/Understanding Work Related InjuriesHave you ever thought what would happen if you got hurt on the job or while traveling between offices or worse yet if you get sick because of the type of work that you are employed to do? If you sometimes think about this there is no need to worry. The reason that I say this because every company out there Federal and State alike are required to have workers compensation benefits. There are rules and regulation that are put into place to keep you safe while on the job or on the companys property.The organization that oversees this would be the Occupational Safety and Health Administration (OSHA) that was developed in 1970 to protect workers from health and safety risks. Although all employers are overseen by OSHA there are a select few that are not these would be independent contractors, churches, domestic workers in private home settings, and federal employees (Valerius?Bayes?Newby?Seggern, 2008). Federal employers have their own compensation plans that are covered under the Federal Employees Compensation ACT (FECA).The first of four plans would be the long shore and Harbor workers compensation plans. This covers employees of in the maritime field. The second federal program would be the Black Lung Program. This covers employees that are employed or previously employed in coal mines. The third and final program is the energy employees occupational illness compensation program act. This covers employees or previous employees that have developed cancer and other serious illness from energy exposure.State workers compensation covers all others except federal employees, inmates employed by the prison self- employed, for hire domestic, drivers under lease agreement, volunteers, independent, clergy and church members, and lastly agricultural lab orers. No matter if you are a state or federal employee there are two different workers compensation programs that you will be covered under. The first one covers the medical costs that are incurred due to the injury the second covers the lost wages that has come from the injury.When a person is injured on the job, on the companys property, or performing a work related task they will be covered under workers compensation. If an employee is injured they need to inform their employer promptly so that proper medical treatment can commence. The employee usually needs to put the injury in writing also known as the first report of injury, the physician depending on the insurance may need to be the one to fill this form in.Once this is done the employer also has to file their own claim with the state workers compensation office as well as the insurance company (Workers Compensation- the Workers Comp Service Center, 2009). Depending on the severity and urgency of the injury the insurance co mpany may require a form to be filled out by the physician of record. The physician of record is the physician who first treats the employee. This physician is also responsible for determining the amount of disability and if and when the employee may return to work.The Physicians of Record must according to insurance company or state regulation must file a progress report at certain intervals of the treatment or when there is a change that will affect the disability status. Once the insurance company gets the claims that may be filed electronically depending on the carrier has to now issue a claim number and identify if the injury will or will not be covered by workers compensation.Once this is determined than the insurance company needs to notify the employer on the determination. If the claim is accepted than monies that the employee loses from not being able to work are sent right the employee with no income tax being withheld and all medical bills are paid. If the claim is denie d by workers compensation than the employee is responsible for the medical bills and may submit the medical bills to their own medical insurance carrier to be paid, but the employee does not receive lost wages.No matter what the outcome is of the claim HIPPA rules and regulations are not strictly enforced to keep the privacy of the injured employee. However, most states allow claims adjusters and employers unrestricted access to the workers compensation files. Patient Health Information may be disclosed without the patients authorization. The employee cannot even ask that their information be withheld from the employer.ReferencesValerius?Bayes?Newby?Seggern. (2008). Medical Insurance An. The McGraw?Hill. WokersCompensation- The Workers Comp Service Center. (2009). Retrieved May 15, 2011, from WorkersCompensation.com http//www.workerscompensation.com/Valerius, Bayes, Newby, Seggern. (2008). Medical Insurance. In An Intergrates Claims Processing Approach, Third Edition (pp. 292 298). New york McGraw Hill. WokersCompensation- The Workers Comp Service Center. (2009). Retrieved May 15, 2011, from WorkersCompensation.com http//www.workerscompensation.com/