201205.10
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Face Your Fears; Find Your Courage

When Josh was a child, his older sibling was physically, emotionally and verbally abusive. The sibling also put him in situations where he was sexually abused by the sibling’s friend. Yet they are family, and Josh was often dependent on his sibling. He admired and loved her, yet he feared her. So when she threatened…

201101.01
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Choose to Make It a Happy New Year

I love New Year’s Day. Next to Thanksgiving, it is probably my favorite holiday – especially now that I am of an age when I awaken without a hangover. 🙂 I love being an adult. That’s right. I said it. :O Despite the responsibilities, stresses and physical changes, LIFE IS GOOD! 🙂 I have started…

201008.02
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FAQ: My injured employee’s doctor released him to return to work, but he is restricted from performing some of his regular duties. What should I do?

It depends. Call your carrier or the defense attorney to discuss your options. Your ability to accommodate his restrictions will determine your responsibilities. There may also be issues of reduced earnings, intermittent lost time and ongoing medical treatment that must be considered on a case-by-case basis. DISCLAIMER: This article is intended only as general information. It…

201008.02
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FAQ: My injured employee’s doctor has released her to return to work. Other than scheduling her and welcoming her back, what do I need to do?

A:  Immediately call her and tell her the date and time that you expect her to return. Send her a friendly, formal notice—in writing—that specifies that date and time. Keep a copy of the letter in her employee file, and forward copies to the Board and your insurance carrier. If she returns, complete FormC-11 and send it to the…

201007.27
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Q: My injured employee is out of work. Is there anything I need to do while he is out?

A:  YES. There are a number of forms and tasks you should complete. Call the employee regularly to determine his progress and relay that you value his employment.  Statistics show that injured workers are more likely to return to work when they feel they are appreciated. File FormC-240, which can also be downloaded from the Board’s website. This…

201006.29
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FAQ: What happens if the Board finds me liable, but I don’t have WC insurance?

The Uninsured Employers’ Fund (“UEF”) will pay the WC benefits up front, but you will be subject to civil and criminal penalties for failing to secure WC insurance for your employees. In my eight years of solo practice, I have seen several small business owners (“SBOs”) bankrupted by a single WC claim. You might save money initially by…

201006.16
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BEST PRACTICES: Obtaining Medical Records to Defend Your Claim

It is common for claimant’s attorneys to assert that employers, carriers and third-party administrators–or their attorneys–may not contact “their”doctors. This is completely improper and misleading. Claimant’s treatment providers qualify as non-party witnesses. Claimant’s attorneys do not and should not represent the doctors who are treating their claimants. The providers are supposed to be independent and…

201006.13
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Get Your Insurance Claims Paid

A gem cannot be polished without friction, nor a man perfected without trials. – Chinese Proverb The Conflict Your health insurance claims representative and your doctor disagree as to whether your medical expenses should be paid under your insurance policy. The Interests You want the claim to be paid so: You can get well You…