https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2106/ARE-YOU-OFFERING-EMPLOYMENT-PRACTICES-LIABILITY-INSURANCE/
... (the primary cause of E&O claims)? The odds are against you. Here's a recent E&O claim that illustrates this scenario. The ending is not pretty. A nursing home employees was tested for drug use after a narcotic disappeared from the medical department. The employee sued, alleging wrongful termination and defaming statements following the drug-testing procedure. The matter was reported to the nursing home's Comprehensive General Liability (CGL) carrier, but it denied coverage. The nursing home then sued the agency, contending that the ... of your commercial clients was not aware that this coverage was available, you never offered them a proposal, and they get hit with a claim costing $50,000 in defense and $250,000 in judgment. Will your agency be sued for failing to provide proper coverage (the primary cause of E&O claims)? The odds are against you. Here's a recent E&O claim that illustrates this scenario. The ending is not pretty. A nursing home employees was tested for drug use after a narcotic ... of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Are You Offering Employment Practices Liability Insurance?4/30/2013 10:44:07 PM by CompleteMarkets Editor , Curtis Pearsall This content has not been rated yet. ARE YOU OFFERING EMPLOYMENT PRACTICES LIABILITY INSURANCE? by Curtis Pearsall Claims alleging wrongful employment practices have undoubtedly increased significantly ...
https://completemarkets.com/Article/article-post/784/Workers-Comp-Claims-Management-Best-Practices/
... 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...
https://completemarkets.com/Article/article-post/546/Recent-Cases-Clarify-Employer-Liabilities/
... unreasonable delay in payment of medical treatment transportation expenses pr...t to pursue a claim under the Fair Employment and Housing Act (FEHA).
Dillon, ...
https://completemarkets.com/Article/article-post/1497/TELECOMMUTING-BRING-THE-WORK-BUT-NOT-THE-RISKS-TO-THE-WORKER/
...any have a preferred Workers Comp medical provider near the telecommuter? Give...on before doing so. Family and Medical Leave Act. The federal FMLA and s...
https://completemarkets.com/Article/article-post/172/Tis-The-Season-For-Epli-Claims/
...t might go awry, consider these employment-related claim scenarios. T... In a third-party, or 'vicarious liability,' claim, it's very like...
https://completemarkets.com/Article/article-post/2106/ARE-YOU-OFFERING-EMPLOYMENT-PRACTICES-LIABILITY-INSURANCE/
...r a narcotic disappeared from the medical department. The employee sued, alleg... Is there vicarious or third-party Liability coverage? Are employees cov...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1829/KEY-ELEMENTS-OF-AN-EFFECTIVE-WORKERS-COMPENSATION-CLAIM-AUDIT/
... functions listed below. The level of support and the make-up of the caseload must be considered when evaluating the caseload. 4. Claimant Contact. Within 24 hours of claim receipt, the examiner should contact the injured worker to explain benefits, establish rapport and ensure proper medical care. 5. Investigation. Although not needed on every claim, an outside investigation should be required when there are questions about compensability, subrogation or possible fraud. 6. Diary Systems. An effective diary system should be mandatory. It is the only way ... :34 PM by CompleteMarkets Editor , George Kingston This content has not been rated yet. KEY ELEMENTS OF AN EFFECTIVE WORKERS COMPENSATION CLAIM AUDIT by George Kingston During a recent review of a large corporation's insured Workers Compensation program, we interviewed the insurance broker to determine services provided. The broker was proud to tell us that they regularly performed audits of the insurer's claim files. We were told that the broker's claim consultant recently audited 40 claims in approximately four hours. Our experience in conducting hundreds of workers' compensation claim audits leads us ... settling. 9. Medical Payments. Medical bills should be paid within 25 days of receipt to avoid duplicate payments, which often occur when bills enter the second billing cycle. Consistent delays also can jeopardize essential good relationships with medical providers. 10. Medical Management. Employers often can influence the choice of physicians, and thereby obtain better control of medical costs. The auditor should look for programs designed to accomplish this and should evaluate their effectiveness. 11. Denials. Premature denials force the claimant to go to an attorney, so ...
https://completemarkets.com/Article/article-post/1829/KEY-ELEMENTS-OF-AN-EFFECTIVE-WORKERS-COMPENSATION-CLAIM-AUDIT/
...tablish rapport and ensure proper medical care. 5. Investigation. Although no... auditing of workers' compensation, liability, and employee benefits claim adm...
https://completemarkets.com/Article/article-post/2162/DIVORCE-AND-AGENCY-VALUE-SEPARATING-GOODWILL/
...that the 'accrued goodwill of his medical practice did not constitute property...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1596/LIFE-INSURANCE-PROSPECTING-TRAVEL-BUSINESS/
... it will be handy all year, showing each policy's premium due date and each premium. Your staff will check to see that no coverages will be in danger of lapsing while the travelers are away, and also advise about the potential problems. For example, many Medical Expense plans-HMOs, PPOs, Blue Cross/Blue Shield plans, and the employers' self-funded plans-reduce, restrict, or even exclude coverages away from home areas. It is important, therefore, to review Group certificates of coverage, as well as policies. A ... ) should address these, and many other, potentials for service. Picking up Life policies for review is 90% of the sale, according to many managers. This is a timely, practical way to achieve that step on a service basis. Life producers often provide better, more up-to-date, less costly insurance programs as a result of such reviews. That's a much-appreciated service at any time, but even more so during a recession. As other parts of the pre-travel services, you might also provide: Tips on loss prevention ... such as checklists of household concerns to attend to (mail; newspapers; garbage; lawn care; fire-prevention procedures; timers for lights/identification of important items; and so on); inventory forms for household goods, and tips on photo, video, and/ or audiotape inventories; and auto-theft prevention tips, as well as safe-driving and property-protection tips, if it's to be a driving trip. Many companies provide such forms or brochures, and they're also available from commercial sources. It's also worthwhile to review the P/ ...