Tag Archives: experience modification

Do You Know the Rules About Classifying Medical Treatment As First Aid and How it Saves You Money?

4 Aug

When an employee is injured on the job, it is important that they receive the best and most appropriate medical care. However, not all medical care must be either reported to your workers’ compensation insurer and charged against your claims – increasing your future experience modification – nor recorded as an injury in your OSHA Injury Records.

Cal/OSHA and Federal OSHA define “first aid” as any one-time treatment, and any follow up visit for the purpose of observation of minor scratches, cuts, burns, splinters, or other minor industrial injury, which do not ordinarily require medical care. This one-time treatment, and follow up visit for the purpose of observation, is considered first aid even though provided by a physician or registered professional personnel. California Labor Code 5401 (a).

Only the following services qualify as “first aid”:

  • Using a non-prescription medication at nonprescription strength
  • Administering tetanus immunizations (other immunizations, such as Hepatitis B vaccine or rabies vaccine, are considered medical treatment);
  • Cleaning, flushing or soaking wounds on the surface of the skin;

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Using the California Workers’ Compensation “Employer’s Bill of Rights”

23 Jul

Many employers have been frustrated by workers’ compensation claims – they felt claims were either fraudulent or  improperly paid.  At the least, the employer did not know what happened and was upset by the impact on his experience modification.

In 1993, the California law was changed to give employers tools to deal with these concerns, in two sections of the California Labor Code, entitled the Employer’s Bill of Rights, Sections 3761 and 3762.

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WCIRB Report Says Work Comp Insurers Lost $2.3 Billion in 2011

28 Jun

The reports are in for California’s workers’ compensation insurers for 2011, and the news is not pretty.  The insurers collected $10.4 billion in workers’ compensation premiums in 2011, but paid out $12.7 billion – $7.7 billion in support benefits and medical care, and expenses of $5 billion and thus lost about $2.3 billion, or a loss of 22.1% of premium last year.

For that reason, we are seeing one insurance company after another file for higher rates in California, and pricing their renewal policies much tighter as well. Continue reading