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Understanding Worker's Compensation: Information for Chiropractic Patients
Most employers and their insurance companies want to make sure that you receive the care necessary to allow you to recover from your injuries. Unfortunately, some companies have cumbersome administrative procedures that require you to see second opinion doctors or fill out additional paperwork.
Here are a few things you should know:
An insurance company cannot end your care. That is the decision of the health professional team you choose. If you ever receive a letter which implies that you must end your care, please bring it to our attention, or the attention of your lawyer.
We have the responsibility as a health care provider for deciding when you have -
Reached a plateau of healing or returned to the state of health you were in just prior to your care.
You, or your group health policy, can never be charged for care which is covered under worker's compensation. Worker's compensation can be very confusing. If you ever have a question or a problem, let us help. We care about you and your health.
You may choose any chiropractor, physician, psychologist, or podiatrist licensed in the state. By agreement with your employer, you may choose a doctor not licensed in this state. You also have the right to a second choice of provider.
If you are hurt at work or become ill because of what you think is work related exposure-
1. Immediately report your accident or ailment to your supervisor. Continue to keep your employer informed about any changes in your injury.
2. Seek first aid and medical attention
3. Remember that delays can effect not only your health, but also possible compensation benefits.
Your employer reports to its insurance company and to the Worker's Compensation Division. You do not have to file a claim yourself if you reported the injury.
Your medical costs will be paid. If you miss more than 3 days of work and are found eligible, you will receive compensation for lost wages. Worker's compensation also provides benefits to dependents of workers who die after work-related accidents.
It is important that you make every effort to return to work, within medical restrictions, as soon as possible after an injury. Your employer and your doctor must agree to your returning to some form of work; it is important that you talk to them about returning.