doctor notes for workmans comp

There are many challenges facing all small businesses, especially in today's economic climate. Lowering the cost of doing business is key to any company's survival and success. One big expense that most companies out there is legally obligated to endure is workman's comp insurance. Because the rates for workman's comp coverage are so high, reducing them is to the best interest of every business out there. Below is a description of three great ways to reduce your company's workman's comp rates. Instill a safety education class. No matter what job your employees perform, teaching them how to do it safely will not only help to protect them, it will also help to lower your rates. Each state has a workers compensation board that determines rates. They give big discounts for those who run safety courses for their employees. Keep your safety record good. The board will also look at the safety record of your company. How many employees have made claims in the past and what was the total payout for those claims? The total payout will be the amount of medical bills and indemnity payments. The better your company's safety record is, the less you will pay per employee. Offer medical insurance. Company's that offer good medical insurance to their employees receive discounted rates on their workers compensation coverage. Of course, the amount of the discounts offered will vary from state to state.

What Is Workers' Comp? When am I Covered? How Do I Get Benefits? What Are The Benefits? How Much Are Payments for Lost Wages? When Are Wage-Loss Payments Made? What If There is a Problem? Do I Need An Attorney? What is workers' compensation? Benefits are paid by private insurance companies (also includes third-party administrators) or the State Workers' Insurance Fund (a state-run workers' compensation insurance carrier) self-insured employers. Nearly every Pennsylvania worker is covered by the Act. Employers must provide workers' compensation (WC) coverage for all of their employees, including seasonal and part-time workers. Nonprofit corporations, unincorporated businesses and even employers with only one employee must comply with the Act's requirements. Some employees are covered by other compensation laws, including: federal civilian employees, railroad workers, longshoremen, shipyard and harbor workers. Others who may not be covered include volunteer workers, agricultural laborers, casual employees, domestics and employees who have been granted a personal religious exemption from the Act.

Certain types of executive officers of corporations may elect exemption from the Act. A worker should seek further information if there is any doubt as to coverage. If you learn that your employer does not have insurance or is not self-insured for workers' compensation, you may be eligible for benefits from the Uninsured Employer Guaranty Fund. If your work causes an injury, illness or disease, you may be entitled to WC. No compensation shall be paid when an injury or death is intentionally self-inflicted, or is caused by an employee's violation of the law including, but not limited to, the illegal use of drugs. An injury or death caused by intoxication also may not be covered. When am I covered? Coverage begins on the date of hire. Medical benefits are payable from the first day of injury; payment of lost wages are addressed in the question, When are wage-loss payments made? How do I get the benefits? Prompt reporting is the key.

Report any injury or work-related illness to your employer or supervisor immediately. You must tell your employer that you were injured in the course of employment and inform your employer of the date and place of injury. Failure to notify the employer can result in the delay or denial of benefits. Once you have lost a day, shift or turn of work, your employer is required to report your injury to the Bureau of Workers' Compensation by filing a first report of injury. The employer may choose to either accept or deny the claim. If your claim is denied, you have the right to file a claim petition with the bureau for a hearing before a WC judge. What are the benefits? Wage-loss benefits are available if it is determined that you are totally disabled and unable to work or partially disabled and receiving wages less than your pre-injury earnings. Please see the Total and Partial Disability Benefits Status section for further information as to disability status.