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Workers' Compensation Overview

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The Resource Center content, including all videos and other media, is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial or other advice. The advice and information contained in the Resource Center is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation

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Summary

This video discusses a specific type of insurance known as workers' compensation, designed to provide assistance when employees experience job-related injuries or illnesses. This insurance covers various situations, such as accidents and exposures that occur while working. In such cases, it's crucial to assess the need for immediate medical attention and ensure that the medical facility you choose accepts workers' compensation insurance to cover your expenses. It's important not to use your regular health insurance for work-related issues. Additionally, timely reporting of the incident and completing necessary forms are essential to ensure you receive the support you need. For any inquiries or concerns, you can contact the Health Carousel benefits department.

Transcript

Hello. This video will be going over workers' compensation, what constitutes as workers' compensation, and what to do if you experience a workers' compensation incident.

Workers' compensation is insurance that provides benefits such as lost wages and medical coverage to employees who experience an injury, exposure, or disability as a result of their job.

Many injuries that occur on the job may be covered by workers' compensation insurance including accidents and illnesses caused by exposure to work activities, materials, and equipment.

Common injuries on the job could consist of, but are not limited to, sprains and strains due to lifting a patient, or slipping on a wet floor.

Common exposures could consist of, but are not limited to needle sticks, TB exposures or other bodily fluid exposures.

If you're unsure if you experienced a workers' compensation incident, Please reach out to Health Carousel benefits department.

What to do if you have a workers' compensation instant?

Step one: You will first want to assess the situation and determine if you need immediate treatment.

Step two: If you're needing to seek immediate treatment, you will want to ensure that the treating facility and provider accepts workers' compensation insurance.

By doing this, it can avoid the treatment or services from not being covered once the claim has been established.

A state specific medical card, excluding the following monopolistic states, North Dakota, Ohio, Washington, and Wyoming, can be obtained from the Health Carousel benefits department, at which can be shown to the facility for billing purposes.

You should not use your personal insurance for a workers' compensation claim. Medical insurance will deny any claims related to a workers' compensation incident.

Step three: Notify your facility manager, IES and Health Carousel benefits department of the incident as soon as possible, but no more than twenty four hours after the incident or injury occurs. Failure to report the work related injury in a timely manner may result in a delay or possible denial of workers' compensation coverage.

Step four: You will receive an email to complete the Health Carousel Workers' Compensation incident report through Formsite.

Step five: Complete the incident report within twenty four hours once received.

Please do not hesitate to reach out to Health Carousel benefits department with any questions or concerns you may have.

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The Resource Center content, including all videos and other media, is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial or other advice. The advice and information contained in the Resource Center is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation