Tuesday, June 10, 2014

Review of injury at work::Workers COMP Settlements?







Review of injury at work::Workers COMP Settlements?








Some               people               will               call               in               sick               to               work               at               the               slightest               hint               of               a               scratchy               throat               while               others               could               be               suffering               from               meningitis               behind               their               three-piece               desk.

Calling               in               sick               to               work               can               mean               getting               behind               on               deadlines               or               irritating               your               boss,               but               sometimes               you               just               can't               make               it               in               and               you               have               to               make               that               uncomfortable               call.

Regardless               of               your               work               ethic,               however,               there               are               a               few               rules               to               follow               when               deciding               whether               to               call               in               sick.

You'll               need               to               consider               the               necessity               of               your               presence               at               work               as               well               as               the               severity               of               your               illness.

In               most               cases,               employers               will               defer               to               the               employee               when               evaluating               whether               he               or               she               should               call               in               sick.

Your               absence               for               a               day               or               two               probably               won't               cause               your               company               to               shut               down               its               production               and               your               colleagues               will               thank               you               for               not               spreading               the               joy               of               a               stomach               bug               or               cold.

However,               some               sicknesses               require               that               you               call               in               sick               to               work,               while               others               leave               it               up               to               interpretation.
               Stomach               Bugs:               Some               stomachaches               are               the               result               of               bad               food               or               poor               digestion               while               others               are               bacterial               or               viral               in               nature.

Since               doctors               often               can't               tell               the               difference               between               the               two,               you'd               be               better               off               staying               at               home               until               you               feel               better.

You               don't               want               to               spread               a               virus               to               your               co-workers               or               your               boss               and               you'll               be               uncomfortable               all               day.

Not               only               that,               but               it               can               be               embarrassing               when               you're               running               to               the               bathroom               every               five               minutes.
               Flu:               One               of               the               worst               illnesses               to               come               down               with               is               the               flu,               which               not               only               causes               cold-like               symptoms               but               also               makes               you               feel               achy               and               sore               all               over.

The               flu               is               highly               contagious,               so               you               should               never               go               to               work               when               you               have               it.

And               contagion               aside,               you               probably               won't               be               up               to               doing               much               of               anything               besides               sitting               behind               your               desk.

Note:               It               is               especially               important               that               you               call               in               sick               to               work               with               the               flu               if               you               work               around               or               with               food.
               Sore               Throat:               In               some               cases,               a               sore               throat               is               just               the               result               of               a               little               drainage               or               a               small               cold.

Sometimes,               however,               it               can               be               an               indication               of               the               very               contagious               strep               throat.

It's               quite               easy               for               your               general               practitioner               to               tell               you               whether               or               not               you               have               strep;               he'll               take               a               swab               of               your               throat               and               the               results               will               be               back               in               five               or               ten               minutes.

Wait               for               the               culture               results               before               returning               to               work               and               if               you               have               strep,               wait               at               least               twenty-four               hours               to               return               after               you've               begun               the               antibiotic.
               Fever:               A               fever               can               be               indicative               of               any               number               of               illnesses,               many               of               which               are               contagious.

Until               you               feel               better               or               until               you               know               the               source               of               the               fever,               I               would               recommend               calling               in               sick               to               work.

A               fever               usually               is               a               sign               of               infection,               so               you               don't               want               to               infect               everyone               else               in               your               office.
               Rash:               This               is               really               a               judgment               call               when               it               comes               to               calling               in               sick               to               work.

If               the               rash               is               highly               visible               and               you               don't               know               what               it's               from,               go               to               the               doctor               and               get               the               results               before               returning               to               work.

If               it               isn't               visible,               however,               and               you               know               that               it               isn't               contagious,               there's               really               no               reason               to               call               in.

Note:               If               the               rash               is               itchy,               burning               or               otherwise               uncomfortable,               call               in               sick               to               work.
               Pain:               Sometimes               people               call               in               sick               to               work               not               because               of               an               illness,               but               because               of               injury.

Back               pain,               neck               pain,               shoulder               pain,               wrist               pain               and               other               types               of               pain               that               might               affect               your               ability               to               do               your               job               might               warrant               calling               in               sick               to               work.

You               are               the               best               judge               of               the               severity               of               your               pain               so               make               an               educated               decision               based               on               the               way               you               feel.






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    Monday, June 9, 2014

    Review of work accident compensation::How do I Get Paid for Workers Comp Injury?







    Review of work accident compensation::How do I Get Paid for Workers Comp Injury?








    Many               people               do               not               know               the               difference               between               Workers'               Compensation               and               disability               insurance.

    Workers'               Compensation               is               paid               for               by               your               employer.

    The               US               Department               of               Labor               requires               that               all               employers               carry               some               form               of               Workers'               Compensation               insurance.

    Most               Workers'               Compensation               plans               are               bought               through               private               insurance               companies.

    Private               insurance               companies               sell               Workers'               Compensation               plans               to               employers.

    Usually               the               premiums               are               high               and               employers               see               this               as               a               cost               of               doing               business.

    For               those               employers               that               do               not               buy               workers'               compensation               plans,               there               are               secondary               funds               in               states               designed               to               protect               the               injured               worker.

    For               those               employers               that               choose               not               to               follow               the               law,               heavy               fines               are               imposed.
                   When               an               employee               is               injured               on               the               job,               there               is               usually               a               time               frame               for               filing               a               Workers'               Compensation               claim.

    An               injury               should               be               reported               to               the               insurance               company               as               soon               as               possible.

    The               governing               state               Workers'               Compensation               board               typically               must               have               official               filing               or               notice               of               employee               injury.
                   Workers'               Compensation               acts               like               an               insurance               policy               in               that               it               pays               an               employee               for               medical               expenses               and               time               lost               from               work               as               a               result               of               his/her               injury.

    Of               course,               in               most               circumstances,               the               policies               are               only               required               to               pay               2/3               of               an               employee's               gross               earnings.

    If               an               employee               is               injured               and               they               do               not               miss               time               from               work               and               their               medical               expenses               are               under               $1,000,               then               in               most               cases               the               employer               can               opt               to               pay               the               bills               themselves,               thus               limiting               the               possibility               their               premiums               will               rise.
                   Disability               insurance               is               a               policy               that               an               employee               carries.

    This               can               be               short               term               disability               or               long               term               disability               or               both.

    The               employee               will               usually               pay               premiums               out               of               their               paychecks               for               said               policy.

    This               policy               would               then               pay               a               certain               percentage               of               their               gross               wages               and               other               monetary               compensation               for               injuries               or               illness,               whether               on               the               job               or               off               the               job.
                   Any               injury               that               results               from               a               work               related               accident               or               incident,               should               be               reported               immediately               to               your               employer.

    Workers'               Compensation               law               was               designed               to               act               as               a               "no               fault"               claim               where               the               interests               of               the               employer               and               the               employee               are               both               protected.

    Once               a               claim               is               filed               by               an               employee,               that               employee               gives               up               their               right               to               legal               litigation               against               their               employer               for               negligence.

    In               turn,               the               employer               is               required               to               pay               their               insurance               company               to               manage               the               employee's               medical               case               to               resolution               and               return               to               work.
                   In               most               cases,               both               an               employer               and               a               Workers'               Compensation               carrier               will               work               very               closely               together               to               minimize               costs.

    Often               times,               case               managers               (or               people               who               manage               an               employee's               injury)               will               be               assigned.

    These               are               professional               nurses               and/or               highly               trained               specialists               in               the               medical               arena.

    They               will               coordinate               medical               care               and               return               to               work               plans.

    They               will               ensure               that               medical               care               and               treatment               is               continuous               and               that               ordered               treatment               is               quickly               approved               to               expedite               not               only               employee               recovery               but               eventual               return               to               work.
                   So,               in               closing,               the               major               difference               between               Workers'               Compensation               and               Disability               Insurance               is               that               one               is               funded               by               your               employer               through               enacted               laws               and               the               other               is               purchased               by               you.

    Workers'               Compensation               plans               typically               pay               the               costs               of               both               your               medical               care               and               treatment               as               well               as               your               lost               wages.

    Disability               insurance               plans               can               vary               but               most               cover               a               certain               percentage               of               your               income               and/or               provide               compensation               for               injuries               sustained.
                   In               either               case,               the               insurance               plan               premiums               are               paid               in               the               event               of               an               illness               or               injury.

    However,               not               all               people               will               use               these               plans,               like               most               insurance               plans,               and               thus               some               profit               will               be               made               by               the               insurance               company.

    As               with               any               insurance,               you               are               purchasing               "coverage"               that               you               may               or               may               not               need.

    If               you               don't               need               it,               you               do               not               get               your               money               back.

    However,               if               you               do               need               it,               you'll               be               glad               you               are               covered.






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