Avoiding the Cracks: A Guide to the Workers' Compensation System

By Anne Tramposh | Go to book overview

7
THE EMPLOYER

While employers have not been extremely pro-active in workers' compensation in the past, almost the opposite is true today. The cost of insurance to employers, including both health insurance and workers' compensation, skyrocketed since 1980. Annual increases of 40 to 50 percent have been common. Medical costs now average 10 to 15 percent of a company's costs. In other words, for every dollar the company makes, up to fifteen cents goes to pay for employee medical care in some form. This certainly has gotten the attention of employers and companies are paying more attention.


THE EMPLOYER'S CHANGING ROLE

Instead of relying on their insurance companies to administer workers' compensation claims, some employers now supervise the activity themselves, taking a more active role in choosing the doctors, trying to accommodate workers who have to be on light duty, eliminating unnecessary medical care, and controlling its costs.


Self-Insuring

In addition, many employers are "self-insuring," which means that the money for workers' compensation claims comes directly

-67-

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Avoiding the Cracks: A Guide to the Workers' Compensation System
Table of contents

Table of contents

  • Title Page iii
  • Contents v
  • Tables and Figures vii
  • Preface ix
  • PART I - ABOUT WORKERS' COMPENSATION 1
  • 1 - THE STORIES 3
  • 2 - THE HISTORY OF THE WORKERS' COMPENSATION SYSTEM 15
  • 3 - CRACKS IN THE SYSTEM 23
  • PART II - PLAYERS AND MOTIVES 35
  • 4 - THE INJURED WORKER 37
  • 5 - MEDICAL PROVIDERS 47
  • 6 - THE INSURANCE COMPANY 57
  • 7 - THE EMPLOYER 67
  • 8 - OTHER POTENTIAL PLAYERS IN THE SYSTEM 77
  • PART III - HOW TO AVOID THE CRACKS IN THE SYSTEM 93
  • 9 - ASK THE RIGHT QUESTIONS 95
  • 10 - ANALYZE YOUR SITUATION 109
  • 11 - IF YOU NEED TO SEEK NEW EMPLOYMENT 129
  • 12 - THE FUTURE OF WORKERS' COMPENSATION 139
  • APPENDIXES 147
  • GLOSSARY 189
  • Bibliography 195
  • Index 201
  • About the Author *
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