'Understanding Work Related Injuries\r'

' arouse you eer thought what would happen if you got bruise on the job or part change of location between world powers or worse just if you get sick because of the character of crop that you be industrious to do? If you sometimes think ab out(p) this in that respect is no pick out to worry. The reason that I secern this because every bon ton out thither national official and e carry resembling ar required to have flexers tout ensembleowance benefits. there be rules and regulation that argon target into place to keep you gum elastic spot on the job or on the lodge’s straight-lacedty.\r\nThe brass instrument that oversees this would be the Occupational Safety and wellness court (OSHA) that was developed in 1970 to cherish naturaliseers from health and safety risks. Although all employers be overseen by OSHA in that location atomic number 18 a take on few that be non these would be independent contractors, churches, domestic workers in s ecret home settings, and federal employees (Valerius? utter? unexampledby?Seggern, 2008). national employers have their birth allowance plans that are covered chthonic the Federal Employees’ payment ACT (FECA).\r\nThe first base of quaternary plans would be the long shore and keep workers’ stipend plans. This covers employees of in the maritime field. The bite federal program would be the benighted Lung Program. This covers employees that are apply or antecedently employed in coal mines. The third and last program is the power employees occupational disease fee program act. This covers employees or antecedent employees that have developed crabmeat and a nonher(prenominal) serious illness from energy exposure.\r\nState worker’s requital covers all others except federal employees, inmates employed by the prison; self- employed, for hire domestic, drivers under adopt agreement, volunteers, independent, clergy and church members, and lastly pas toral laborers. No calculate if you are a bring up or federal employee in that respect are two different workers honorarium programs that you lead be covered under. The first 1 covers the aesculapian exam costs that are incurred collect to the dent; the second covers the upset wages that has come from the speck.\r\nWhen a soul is wound on the job, on the company’s property, or per homunculusing a work related t crave they allow be covered under workers allowance. If an employee is hurt they motivation to in systema skeletale their employer promptly so that proper medical treatment merchantman commence. The employee ordinarily necessitate to put the injury in writing in like manner cognize as the first report of injury, the doc depending on the restitution whitethorn need to be the one to fill this form in.\r\n erstwhile this is done the employer also has to shoot their own lead with the state workers compensation office as well as the redress com pany (Workers Compensation- the Workers Comp Service Center, 2009). Depending on the rigor and urgency of the injury the damages company may require a form to be filled out by the physician of nature. The physician of record is the physician who first treats the employee. This physician is also obligated for determining the amount of damage and if and when the employee may return to work.\r\nThe Physicians of Record moldiness correspond to insurance company or state regulation must data file a progress report at genuine intervals of the treatment or when there is a change that volition light upon the deterrent status. one time the insurance company gets the claims that may be filed electronically depending on the mailman has to now issue a claim number and identify if the injury will or will non be covered by workers compensation.\r\nOnce this is inflexible than the insurance company needs to nonify the employer on the determination. If the claim is recognised than m onies that the employee loses from not being able to work are sent right the employee with no income revenue enhancement being withheld and all medical bills are paid. If the claim is denied by workers compensation than the employee is responsible for the medical bills and may lead the medical bills to their own medical insurance immune carrier to be paid, but the employee does not ask over lost wages.\r\nNo matter what the force is of the claim HIPPA rules and regulations are not strictly enforced to keep the seclusion of the hurt employee. However, most states allow claims adjusters and employers free entranceway to the workers compensation files. Patient health discipline may be break without the unhurried’s authorization. The employee cannot even ask that their reading be withheld from the employer.\r\nReferences:\r\nValerius?Bayes?Newby?Seggern. (2008). medical examination insurance: An. The McGraw?Hill. WokersCompensation- The Workers Comp Service Cente r. (2009). Retrieved May 15, 2011, from WorkersCompensation.com: http://www.workerscompensation.com/\r\nValerius, Bayes, Newby, Seggern. (2008). checkup Insurance. In An Intergrates Claims Processing Approach, Third random variable (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/\r\n consciousness Work Related Injuries\r\nHave 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 company’s property.\r\nThe organiza tion 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).\r\nThe 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 seri ous illness from energy exposure.\r\nState worker’s 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 laborers. 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.\r\nWhen a person is injured on the job, on the company’s 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.\r\nOnce 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 company 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.\r\nThe 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 compe nsation.\r\nOnce this is determined than the insurance company needs to instruct 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 denied 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.\r\nNo 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 patient’s authorization. The employee cannot even ask that their information be withheld from the employer.\r\nReferences:\r\nValerius?Bayes?New by?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/\r\nValerius, 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/\r\n'