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Workers' compensation is a type of insurance. It provides wage replacement and other medical benefits to an employee who has been injured while on the job at the company. Workers' recompense involves a specific process to be considered for claims.

Before claiming any insurance benefit, the injured employee should report to the company or employer that an injury has actually happened. It is also important to give all the medical information to the company to let them know what the injury is and what you are expecting for recovery.

To claim workers' recompense, the injured claimant has to fill up an insurance form from the insurer to get the reimbursement. Once you have informed the insurer about the injury, the company offers temporary accountable payments. In most of the cases, the payment is made within seven days. During the seven days' period, insurance company examines the details of the injury. Decision of insurer is based on the extent of injury, and then they decide whether to disburse the payment or not.

Insurer needs some specific information about the injury before making any liability payment. The insurance company should examine the matter closely by asking questions to both the employer and the employee. Additionally, information from the doctor, who is treating the claimant, is required.

As soon as the insurer is informed about the injury, insurance company should start provisional payment to the injured employee. Insurance company should decide when to start making provisional payment. The payments may continue for a period of twelve weeks at the most.

Workers' recompense benefits usually include the following:

• Workers' compensation provides medical treatment and expenses. It includes emergency care, treatment and follow-up treatment with the doctor, physiotherapy visits, and transportation costs.

• Workers' recompense also provides payment for time off from work for recovery. Normally this includes a weekly benefit of 66.67% of a worker's average weekly income. It should not last more than two years.

• Workers' recompense also offers payment for any permanent injury. Sometimes injury that occurs during the work may result into a permanent physical injury. It can sometimes affect the employee's ability to perform some specific tasks or work.

Sometimes a slight injury can meet the criteria of a small permanent disability payment.

• Workers' compensation also provides vocational rehabilitation services. If an employee needs to change the job, he or she can do so. In most conditions it pays for retraining or re-education.

• Workers' recompense also offers payment benefits in case of employee's death. Dependants of the dead worker are eligible for burial costs and a fair amount of money in most cases.

Becoming a worker's compensation specialist can make you a very important asset to the company you work for. With specialized training in the rules and regulations outlined by state laws, you will be able to inform coworkers and employers of all the functions, safety regulations, and other factors that must be met for worker's compensation to be a success at your workplace. In recent years, the demand for worker's compensation specialists has dramatically increased and as a result, more training is available online. Training courses are for anyone that has a personal interest in obtaining this prestigious designation, or for those that have been asked to obtain the certification by their employers. Insurance agents, lawyers, and other professionals consistently seek a worker's comp designation as a way to improve their careers and be highly sought after professionals in their line of work.

Training courses to become a worker's comp specialist are offered online. There are several different courses for you to choose from and you can select which type of format that provides them with the best chance of success. Whether you're better at working on your own, attending a live class, or listening to a recording of the lessons, there are classes online that have exactly what you need. Online courses will also provide you with what is required in the particular state you'll be working in to ensure you have the proper training to obtain your certification. After you have completed all of the required classes, you will then need to take the certification exam, which consists of fifty questions. In order to accomplish this exam, you will need to answer 35 of the 50 questions correctly - a 70%. Students who have taken courses through online training providers like AB Training Center have had a very high success rate in obtaining their specialist certification on their first try.

After your successful completion of the certification exam, you may be required by your state to take an additional test. California has this requirement, which means you will need to take a few additional courses (usually only three hours). After the exam(s) has been passed, you will receive your official certification in the mail within four to six weeks. Every three years, you will need to take fifteen hours of continuing education courses in order to keep your worker's compensation certification up to date.

To enroll in our worker's compensation specialist training courses, just contact the online provider of your choosing. Once you sign up for our classes, you'll be sent the instructions by email and you can begin your online training instantly or you'll be placed in your live training course.

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Workers Compensation Insurance: Are You Paying Too Much?

Workers compensation costs are rising. According to a recent report by the Workers Compensation Research Institute (WCRI), indemnity costs per claim (the loss of earning capacity, payments for lost wages, or permanent impairment or liability) increased faster from 2007 to 2009 than in prior years. The recession has had a significant impact on indemnity costs, and the study showed rapid growth in medical-related costs per claim due to many factors such as increases in doctor's office visits.

The gist of this report is that the cost of your workers comp insurance is almost certainly going to grow according to the type and amount of claims you file due to workplace injuries. Although it appears costs are rising, you can actually reduce expenses for workers compensation coverage by establishing and enforcing a culture of safety. Taking a proactive approach to safety won't only decrease workplace injuries which results in lower insurance premiums; having healthy employees means higher productivity and performance so you can watch profits increase rather than insurance costs for workers compensation.

A consistent workplace safety record shows insurance companies that your business is a good risk. And although determining coverage can be a complex task--best left to a trusted workers compensation insurance specialist--as a business owner it's really a simple equation: fewer claims result in lower premiums.

Let's take a closer look at some of the steps you can take to create a culture of safety that will ultimately reduce workplace injuries and, in so doing, significantly decrease the high costs associated with claims for workers comp insurance:

--If you haven't done so already, sit down with your management team and develop a safety policy and safety manual. Revisit and update your policies regularly and frequently communicate these policies to your employees.

--Review your past and current claims history to recognize trends, potential hazards, and high-risk areas of your business that may result in workers compensation insurance claims.

--Appoint a dependable employee as your company's safety supervisor whose job duties involve monitoring these hazards and risks, including walking areas that may be prone to slips and trips, and places where heavy items may fall or cause injury if moved or lifted.

--Post signs in break rooms and other high visibility areas that highlight hazards, advise ways to avoid them, and instruct what to do in case of injury.

--Emphasize employee awareness of the importance of workplace safety by holding regular meetings, and consider implementing an incentive program that rewards employees for maintaining a spotless safety record.

Review your workers comp insurance program at least annually at the same time you update your safety policies and procedures. Meet with your insurance company to discuss how changes in your workplace may impact your workers compensation insurance coverage. If you make safety job number one you may be surprised by how much a reduction in claims has on insurance expenses.

Good faith insurance practices require your worker's comp insurance company to handle claims in a timely fashion and to pay legitimate bills associated with your worker's comp claim. Bad faith practices occur when insurance companies avoid or delay payment of legitimate claims. Likewise, an insurance company may be acting in bad faith if they:

• Manipulate or hide evidence supporting an injured worker's request for benefits

• Dictate the care that a medical provider can give to an injured worker

• Cut off worker's comp benefits in violation of the state's law on worker's compensation

• Fail to investigate claims in a timely fashion

If you think your insurance company is engaging in any of these bad faith practices, there are several steps that you should take:

• Thoroughly review your insurance policy. Your claim must fall within the limitations and guidelines of your policy. Just because you disagree with your insurance company doesn't mean that the company is acting in bad faith. If you need help reviewing your policy, you might want to contact an specialized attorney.

• Collect Documentation. If you pursue a claim against your worker's comp insurance company, you will need as much documentation as possible. Keep close records of all your interactions with the company and your medical treatments. Be sure to keep copies of any written correspondence generated by you, your company, or your doctors. Record the name of the insurance representatives you talk to on the phone and the date, time, and contents of your conversations.

• Contact Your Director and Commissioner. You should send a letter to the Director of Claims at your insurance company asking them to review your claim. If they refuse, you should contact the Commissioner of the Department of Insurance in your state and ask for them to review your claim.

• Contact an Attorney. If you haven't already, you should contact an attorney who specializes in insurance bad faith and/or workman's comp law. Companies who have failed in their responsibilities to their insured can be held accountable with legal action. When brought to court, companies who have engaged in bad faith practices may be found responsible for paying past claims and for paying damages that you may have incurred in the wake of their negligence.

Most companies are reliable and professional, but bad faith practices within workman's comp insurance companies do still occur. If you have suffered from a company's bad faith, you deserve just compensation and repayment.