Risk Management In Wage Loss States
I hope this will assist those who are new to the Risk management field with cases in wage loss states.
The following states have high wage loss exposure (indemnity payments) after a case has reached Maximum medical improvement. Michigan (MI), Illinois (IL), Pennsylvania (PA), Louisiana (LA), Maine (ME), New Hampshire (NH) and New York (NY).
The following states have no wage loss exposure or indemnity payments once a case has reached MMI: Alabama, Arizona, Arkansas, Colorado, Connecticut, Florida, Mississippi, Missouri and New Jersey and Tennessee. The State of Florida has impairment benefits but no wage loss payments. These payments are determined based ON the injury and continue for a specified amount of time. They're not affected by reemployment of the injured worker in any way. The Injured worker receives the same impairment benefit and whether they're working or not.
Some states have wage loss exposure limited by the rating of the permanent disability or the percentage of disability. Most of these charts are available ON each states Workers' Compensation Board website. A list of these boards by state with links to their sites and contact info can be found at the end of this artile.
In Michigan and there is no time limit ON indemnity payments for permanent partial disability. In New Hampshire the limit is 262 weeks (which includes the weeks the injured worker was considered temporarily disabled.) In Maine and Louisiana the limit is 10 years or 520 weeks. In New York Permanent Partial Disability cases are eligible for indemnity payment to continue depending ON injury from a minimum of 225 weeks to a maximum of 525 weeks. Pennsylvania has a limit of 500 weeks for Permanent Partial Disability indemnity payments.
In states where there is a continuance of indemnity, or wage loss, payments required from the Employer or Insurer and there is also the obligation ON the part of the injured worker to actively pursue reemployment and/or to make an effort to obtain work. When an injured worker returns to work, depending ON the pay variance and the employer may be obligated to continue to make up the difference between the original wage earned when the employee was injured and the new wage. This also varies by state. But and the insurer can apply to the Workers' Compensation board to discontinue payments if they determine that the Injured worker is not actively pursuing reemployment.
Link to Workers' compensation boards for each state: http://www.ic.nc.gov/ncic/pages/wcadmdir.htmKatrina Paglierani
Business Development Director
Katrina@NationalJobFinders.com
207-583-6464
http://www.NationalJobFinders.com
