How much influence does a company have over thier insurance carriers i,e worker compensation cases?

Question

I need to know the influence a company has over thier insurance companies decisions. worker compensation cases.

Answer 1

Not much. There are rules, regulations and standards for paying claims. A company cannot really influence whether or not a claim is paid, but they can ask the insurer to to take a strict or not so strict approach toward paying the claims.

Answer 2

A company has input to the facts of the case. For example, did anyone see the claimant fall? Has this person ever mentioned a back injury prior to the fall?
The insurance company decides if the case is viable or not by using the company's answers to decide what further investigation needs to take place or not.

Answer 3

Most Companies pick an WC carrier that is the cheapest for them. The job of the WC insurance carrier is not to have to pay for anything that they feel is not within the WC guidelines. There are certain rules that your company must follow after getting injured like certain amount a days to give you the forms to file a claim. It is always in your best interest if you are injured to consult with a WC attorney of your own it is usually free and they can tell you your rights.

Galynda

Answer 4

Does company mean employer?? I'm assuming so.

Not much, unless they basically "self insure" and use the company to manage the claims. Sometimes the employer has a right to refuse settlement, depending on the state they are domiciled in, and status of self-insurance, but for the most part it's completely out of their hands. Insurance companies don't want clients spending money that's not theirs. Workers comp, and claims payments relating to them, are the most heavily regulated line of business.

Answer 5

i'm no longer that conscious of wc. notwithstanding, i'd not run to a lawyer immediately away. keep in recommendations, what ever contract you get a lawyer is going to take 25-40% - reckoning on your state guidelines. sit with the reassurance company and pay interest to them out. See what they say and performance to furnish. enable them study your concerns. Ask any questions you've. once the adjuster knows what your concerns are, the reassurance company is in a extra efficient position to attempt to go back up with a contract that meets both genuinely one of your desires (theirs - to get the document close, yours - situation about destiny expenditures/obstacles) purely because they boost an furnish does no longer propose you should take it. you do not ought to make any judgements on the assembly. this is alright to take heed to them out and take some days to imagine about it and get your dr's opinion. this is by preserving the lines of communication open with the reassurance company that the declare will be settled on the perfect time.