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... are made to the claimant. REDUCE MEDICAL PAYMENTS Once a claim has been estab...provide an estimated figure based on medical exams from the claimant and from the carrier’s medical examiner. The reserve will reflect any lost time, permanency award, medical exam costs, legal costs to the claimant’s attorney, and any future medical treatment. When examining a reser...

...includes, but is not limited to, physical evidence of use, involvement in an a...es who wish to seek treatment or rehabilitation for drug or alcohol dependency...

... a Petition. Closure of claims files, on non-litigated claims. You'd be amazed at the number of claims that might be dismissed due to the running of applicable Statutes of Limitations. You'll have bought' another claim if any payments are made to the claimant. REDUCE MEDICAL PAYMENTS Once a claim has been established, payouts might be diminished when the claimant has reached their maximum medical improvement and further treatment would provide no benefit. A rehabilitation nurse or medical management personnel might be of great value. The Workers Comp Board might find, ... popular charge of Allocated Loss Adjustment Expenses that include managed care charges. If unwarranted, these charges can add an average of 10% to loss costs or payout totals. Prosecuting a claimant's rejection of Simple Medical and Surgical Treatment is often overlooked. If a claimant refuses physical therapy, determine whether this conduct renders the claim non-compensable under state law. Many states provide for modifications to compensation awards. Reduce a lost wages payout by returning the injured employee to a job. It might be a different job or a wage issue being equalized ... But the job must fit within the medically approved capacity of the employee. If there was an outside petition, check the claimant's current work status for concurrent employment. You might request a reexamination by the state's Rehabilitation Commission. This is essential, because weekly compensation is diminished by any wages or earnings the claimant is receiving. GET YOUR MONEY BACK: OBTAINING RECOVERABLE THIRD-PARTY DOLLARS Now that we've reviewed the methods for reducing payouts, let's examine the recovery of dollars already paid on a claim. Check for Second Injury Fund Relief — a ...

...t doesn't coordinate with current medical coverage. In addition, there's no ca...living rider, waiver of premium, rehabilitation benefits, organ donor for tran...