Unit VII PowerPoint Presentation

WHAT TO KNOW ABOUT WORKERS COMP? MICHAEL E DYMON

OSH 3306- UNIT VII POWERPOINT PRESENTATION

COLUMBIA SOUTHERN UNIVERSITY

WHAT IS IT?

 Workers' compensation helps protect businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work-related cause. Workers’ compensation is also known as workman’s comp, workman’s compensation, and workers’ comp. These terms all mean the same thing and help protect workers from potentially devastating costs of work- related injuries. It also helps protect employers from potential damages that could cripple a business based on workers’ comp claims. (The Hartford, 2020)

WHEN IS IT USED?

 Whenever an employee is injured or has a preexisting injury that is worsened by something that happened at work our Worker Compensation may cover the expenses.

 All injuries should be reported immediately for this reason.  Injuries should be reported to the EHS Manager.

 The EHS Manager will work with HR to have the incident information and employee information submitted to the Workers Compensation company.

WHAT IF THE INJURY ISN’T SO BAD?

 In the event an injury is minor all documentation still must be completed.

 Let EHS and HR make the determination on whether to report the injury to the Workers Compensation Company. Not you.  Injuries may initially seem minor although nothing can stop the injury from worsening down the road and then

requiring medical attention.

 There is a limit on how long an injury/ case may be reported to Workers Compensation. After that the Workers Compensation company may deny the claim.

WHAT WILL THEY COVER?

Medical

 All medical expenses incurred because of the injury will be covered through our WC insurance. These will include anything from medications, to Urgent Care or Dr office visits, to any physical or occupational therapies. It will also include any hospital visits or hospitalization, as well as any medical equipment that may be needed.

Time Lost  After a set period of time WC will cover lost

wages of the individual. They may not be the full amount although they will cover a percentage. The wages don’t begin to be covered immediately. There will be small period of time till they kick in.

IS THERE A LIMIT

There is no limit to how much funds will be given for Workers Compensation which

is what makes it significantly different than any other type of insurance.

Workers Compensation will investigate cases if needed and may look into other medical documents of an individual to deny a claim

or to disprove the injury may have been caused while at work.

DIFFERENT TYPES OF COVERAGE

 Workers Compensation will have 4 basic different types of coverages:  Workers Compensation will cover Medical Benefits that may be caused or

needed because of the work related injury.

 Rehabilitation skills will be covered.

 This will be care that is needed for an individual to be able to return to work and may need work on strengthening skills and being able to complete there job normally.

 Disability Benefits from the injury. This can include Temporary Total disability, Temporary Partial Disability, Permanent partial disability, or Permanent Total disability.

 Workers Comp Death Benefits. These benefits would be given to the employees family members in the event of death due to the work related injury.

REPORTING  We can not stress enough

 IMMEDIATE REPORTING IS NEEDED by the Company.

 Workers Comp in PA will require that we report the claim to them within 90 days of the injury for them to cover it.

 There may be questioning if reporting occurs very late from when the initial injury occurs.

 In The Company all claims are immediately reported with the Workers Comp company to obtain a claim # for the individual.

 If nothing is ever charged toward the claim then it will drop off and not affect premiums.

DOCUMENTING CORRECTLY

Record- Keeping

 All Records related to Workers Compensation must be kept “in lieu of the supplementary record [(OSHA No. 301)] required under 29 CFR 1904, then these records must remain in the establishment for five years after the year to which they relate. This exception is pursuant to 29 CFR 1910.1020(d)(1), and applies whether or not the workers' compensation record falls under the scope of 29 CFR 1910.1020. (OSHA, 3/5/04).

 These records will be kept by employee in their own files and kept separately from there regular employee medical files.

 Our Company Policy is that the record will be kept for the entire time the employee is with The Company and for a set period after they leave.

REFERENCES

THE HARTFORD. 2020. TOP 10 WORKERS COMP QUESTIONS. RETRIEVED FROM: HTTPS://WWW.THEHARTFORD.COM/WORKERS-COMPENSATION/QUESTIONS-ANSWERED

OSHA. 3/5/2004. STANDARD INTERPRETATIONS- APPLICABILITY OF 1910.1020 TO WORKERS' COMPENSATION RECORDS. RETRIEVED FROM: HTTPS://WWW.OSHA.GOV/LAWS-REGS/STANDARDINTERPRETATIONS/1980-12-08