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Workers Compensation

SelectNet Provider

Being A SelectNet Provider In Monument

Employers or the insurance company, in the state of Colorado, has the right to choose the physician treating work-related injuries, per the workers’ compensation law, who then becomes the designated medical provider. However, the following conditions apply:

  • Employees must be offered a list of four medical providers, corporate medical providers, or both, which they can choose from. Also, one of these selected four must be located at a distance from other provided physicians, with no common ownership.
  • When an employer is informed of an injury, they must provide injured employees with a written letter of notification listing designated providers.

In the case where no physician is designated properly, the injured employee has the right to choose a treating physician of their own choice.

Employers must choose dedicated physicians who would provide the best quality of medical care possible for an injured employee. Medical care which is proper and with quality is vital to maintain costs and reduce the effects of an employee’s injury. Furthermore, additional medical expenses can be saved by choosing preferred provider networks already established by an insurance company. Please contact your insurance company to inquire about such provider networks.

Monument Occupational Medicine for Your SelectNet Provider

Employers seeking a SelectNet provider in the Monument or Colorado Springs area should consider Monument Occupational Medicine for their choice. Monument Occupational Medicine is home to an experienced workers’ compensation medical team. The incredible physicians at Monument are experts in treating work injuries and provide the highest-quality treatment possible.

Successful Reduced Recovery Time

Each physician shares an understanding of the importance of a successful recovery. They provide a thorough service, safeguarding injured employees; designed to reduce recovery time, allowing them to quickly return to the workforce. This ensures impact of long-term injuries are alleviated for both the employer and employee.

Personalized Health Management

Monument Occupational Medicine provides personalized health management for every aspect of their workers’ compensation service. The medical team guides an injured employee through the entire process of recovery, providing them to access to experienced Level ll-certified physicians. The medical team at Monument has experience in all aspects of treating and overseeing work related injuries.

It is recommended to choose SelectNet medical providers prior to an injury. Also, be sure that all employees are informed of the designated providers whom you chose in writing.

The professionals at Monument Occupational Medicine are here to assist you and your employee every step of the way.

Article by Talk Out Loud

workers comp buyout

Buying Out Worker’s Comp Awards

When settling a workers’ compensation case, the judge might issue either a Findings and Award or Stipulations with Request for Award to the defendant, the workers’ compensation insurance carrier. When this occurs, the carrier may offer the plaintiff a lump sum settlement to “buy out” and completely close out the compensation claim. This is not done out of the goodness of the insurer’s heart. Instead, a workers’ compensation insurer might do this because the plaintiff’s claim is costing their company too much money and it reduces their liabilities owed on the company’s financial statement.

Pros and Cons of a Workers’ Compensation Buy Out

Accepting a buyout for a compensation claim is not always beneficial for the plaintiff. Often, the injured party is offered a lump sum of cash. Sometimes he or she is given a hybrid lump sum with the remainder dispersed over several years through an annuity. Once a claim has been settled for a lump sum, the insurer will no longer cover medical treatment through the workers’ compensation system. For some patients, this is a positive because it allows them to seek treatment from a doctor of their choice.

Article by AllRevedUp Internet Solutions powered by WSI.

Monument Occupational Medicine

The Jones Act was created to help protect those who work at sea. Before the creation of the Jones Act, workers had a tough time receiving compensation for accidents or injuries that occurred while at sea. Specifically, this act would cover a sea worker in an event where another worker was responsible for creating conditions that caused someone to be injured. The Jones Act was created to cover workers known as “seamen,” a term that can fit a wide variety of sea working positions.

An added benefit of the Jones Act is that it allows for employees to make a negligence claim against the employer. If it can be proven that unsafe risks were taken, either by a co-worker or employer, the chance of winning a negligence claim is improved. In situations where the boat itself was responsible for the damage, the person in charge of the operation is at fault.

The Jones Act has greatly improved how sea workers are able to seek compensation for injuries suffered at sea. After it has been determined who is at fault, the injured party can begin to seek economic and non-economic damages.

Article by AllRevedUp Internet Solutions powered by WSI.

 

 

Tetanus

Tetanus Vaccine

Staying Safe

Tetanus is an infection well known for the muscle spasms it causes. They usually start in the jaw and then move on to the rest of the body. The intensity of this disease can vary greatly and it can get to a dangerous point where it can even cause bone ruptures and take months to heal. It is caused by bacteria called Clostridium tetani and people usually get infected through wounds in the skin coming in contact with some contaminated object. Even though one person cannot transmit the infection to another, it is more commonly found in your surroundings than you expect.

Prevention

The most common form of prevention of Tetanus is getting immunized with the Tetanus Vaccine. This can be especially useful for those living in areas with humid and hot climates. This disease has slowly been explored and controlled, however, it still amounts to thousands of deaths each year and you shouldn’t treat it as a minor issue.

Tetanus Vaccine

There are four types of vaccines against Tetanus and they are combined with vaccines for other kinds of diseases, so the best option for you might depend on what health risks you are exposed to or your medical history. This vaccine is recommended for people of all ages in order to help them build up the antibodies necessary to fight the bacteria in case you come in contact with it.

Medical Professionals

For those in the medical or health care field, this vaccine is extremely important because they will likely be in contact with objects carrying the bacteria at some point and they should be able to stay healthy and in good shape in order to keep providing care to those who need it.

Getting the Vaccine

It is very likely that, as a child, you got vaccinated against tetanus, probably before you were 7 years old, so you might want to check in with your doctor or parents to see whether this happened or not and whether you need to get vaccinated once more as an adult. It is always better to be safe than sorry so don’t be afraid to ask or consult a health professional in case you need some answers.

Vaccination

If you or your staff, due to the nature of their work, need to get vaccinated against tetanus in order to keep up with your company’s preventive measures, call a medical professional or a recognized company that can provide this service in a safe manner.

Article by Talk Out Loud

workers compensation

On March 1, 2017, Iowa lawmakers introduced two bills, House Study Bill 169 and Senate Study Bill 1170. These bills are aimed at overhauling the state’s workers’ compensation system in a move to reduce costs to employers. In the past, Iowa’s workers’ compensation system was considered one of the best in the country, having low premiums for employers and good benefits for injured workers. However, with these new bills that favor employers, workers’ compensation benefits are now in danger of being scaled back.

What This Means for Workers

In seeking to reduce workers’ compensation premiums for employers, there are no benefits offered to workers in either of the bills. Most at risk are workers who perform manual labor because their options to returning to work or another job after being injured are limited.

The rights of injured workers stand to be reduced if these bills are passed by:

  • Ending workers’ compensation benefits when an injured worker reaches 67 years old
  • Reducing late fees for employers who do not pay benefits on time
  • Allowing employers to deny benefits when an injured worker has tested positive for alcohol or drugs, regardless if they were a factor for causing the injury
  • Limiting the amount of legal fees a workers’ compensation attorney can receive
  • Targeting high cost injuries, including shoulder injuries

What This Means for Taxpayers

If workers’ compensation benefits are scaled back to injured employees, the unmet costs are anticipated to shift from employers to Iowa taxpayers. This would be in the way of adding burden to already struggling Medicare, Medicaid and Social Security systems.

HB 169 and SB 1170 if passed will likely hurt injured workers and taxpayers in Iowa.

Article by AllRevedUp Internet Solutions powered by WSI.

Dr. Anjmun Sharma

A Medical Review Officer is a fully licensed physician who works in the laboratory to ensure that data and results collected by the drug screen are examined and addressed. They play an imperative role in the drug screening process for both the employee and the employer. Some of the roles are described below.

He or she helps to interpret and review the laboratory results. This consequently protects the employers from making decisions regarding the employee’s claims that his or her drug test results were caused by medical treatment or medication. It also keeps the employer from dealing with complicated matters related to the disclosure or the release of private medical information pertaining the employee.

The Medical Review Officer reviews the results from the lab to ensure that the correct test was undertaken and the right procedures followed. If a drug test is positive, it is his or her responsibility to contact the employee to explain the validity of the outcome. Results are reported to the employer in cases where the employee fails to provide feedback. Additional information concerning the laboratory and federal agency is also shared with the employer.

Article by AllRevedUp Internet Solutions powered by WSI.

Drug Testing

Pre-employment and randomized drug testing can safeguard your company from the risks associated with workplace accidents.

Injuries and high turnover rates are some of the problems that companies face when substance abuse becomes an issue. The quality of hire in your staffing efforts increases when you have employees who are drug-free. You can trust your employees to focus on the critical details in ensuring job safety.

Drug and alcohol screening has become a common measure in today’s business industry. Resumes rarely tell the whole story of a prospective employee’s past. Nearly 67% of job resumes and job applications of unscreened employees contain falsifications. Substance screening during the hiring process will protect your business and reduce the harmful effects of drug and alcohol abuse. Accidents, tardiness, high turnover rates, temperament problems, embezzlement, low productivity and morale, crime, and violence are to name only a few of the issues associated with substance abuse. You know your staff is less likely to become a legal liability when they are drug-free.

Legal recreational use of marijuana in Colorado does not affect your company’s drug use policies. You have a choice to mandate pre-employment drug testing, alcohol testing, and institute randomized testing for hirees. It does not affect the Colorado Law of 1991 that requires testing for federally-regulated employers and anyone who has a job concerning public safety while operating sensitive transportation vehicles, such as trains, buses, planes, trucks, etc. Schools, hospitals, and some organizations that implement drug testing programs qualify for legal incentives. One example of these incentives is reduced costs for workers’ compensation and insurance. All employers should consult with their legal advisor to ensure compliance with applicable state or local drug testing laws in order to create drug testing policies and procedures in accordance with these regulations.

Federally-regulated employers only collect urine samples for testing, however, the Secretary of Health and Human Services has proposed revisions to include oral fluid specimens. Drug tests can vary depending on the type of test the employer chooses to mandate. Urine, saliva, sweat, or hair can be used as test specimens. Testing can screen for marijuana, opioids, amphetamines, phencyclidine (PCP), and cocaine usage. A drug-free workplace can require testing based on the following: Post-accident testing, pre-employment testing, return-to-duty testing, random testing, follow-up testing and reasonable cause or suspicion testing.

Employers can save the company money by preventing accidents caused by impaired workers with preventative measures such as mandatory and randomized testing. Testing imbues an anti-substance abuse culture in the workplace that can save money on workers compensation premiums. The National Safety Council and national nonprofit Shatterproof have collaborated with an independent research institution, NORC at the University of Chicago to design “The Real Cost of Substance Use to Employers”. To estimate the cost of substance abuse by the industry you can use the calculator tool that provides business leaders with specific information about the cost of substance use.

For more information about creating and implementing a prevention and treatment program for your employees, contact the Drug-Free Workplace Helpline at 1-800-WORKPLACE (1-800-967-5752), coordinated by the Substance Abuse and Mental Health Services Administration (SAMHSA).The Substance Abuse and Mental Health Services Administration (SAMSHA) is a federal agency that works to reduce the impact of substance abuse in the United States and is part of the Department of Health and Human Services.

Article by Talk Out Loud

Workers' Compensation

Fraudulent workers’ compensation claims occur when a worker has falsified an injury. Most often, these false claims are done strictly to get compensation from an employer. An employee can also work somewhere else while already drawing workers’ compensation from another business.

Keeping in constant contact with the injured party is highly recommended throughout the duration of their claim. In addition, learning what behaviors are consistent with false workers’ compensation can save a business large sums of money.
There are methods that can help spot a fraudulent claim. A lack of witnesses is a potential sign that workers’ compensation fraud is occurring. Another behavior that could entail potential fraud is if the injured party keeps changing their story or gives differing details. After a workplace injury has occurred, medical treatment will likely follow. However, if the injured party shows any reluctance or refuses treatment, this is a telltale sign of workers’ compensation fraud.

Fraudulent workplace injury claims are estimated to cost businesses about $5 billion each year. It’s important to learn what signs of a false workplace claim are to avoid being a business paying out part of that yearly $5 billion.

Article by AllRevedUp Internet Solutions powered by WSI.

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