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For human resource professionals, labor law specialists, and others involved in the practice of labor-management relations, Lencsis provides a concise, easily-accessed description of the workers compensation system in the United States, its governing laws and also its insurance aspects. Covering all major facets of workers compensation legislation and the insurance and risk management techniques used to comply with them, his book will have equal benefits for the staffs of insurance companies and brokerages, compensation and claims professionals, and for workers compensation executives in governmental agencies. Lencsis explains that workers compensation laws were enacted on the federal and state levels in the early part of the century and have endured in the same basic form to the present. They represent a radical departure from common law concepts of negligence and damages in that they provide for statutory medical and wage-loss benefits regardless of who is at fault. Lencsis explores how insurance mechanisms in the public and private sectors are used to fund benefits and to make their delivery as secure and certain as possible. He also notes that workers compensation insurance is a major part of the property-casualty insurance business, and as such has recently become one of its most profitable areas. Lencsis' book helps readers to understand these concepts and to work with them in the day-to-day conduct of their business.
Written in layman's terms, not legalese or insurance-speak, this book is designed to help you understand how the Workers' Comp system works and to provide a basic understanding of injury prevention, types of injuries, and cost containment strategies. Although Workers' Comp regulations, procedures, and forms vary from state-to-state, the principles behind the system and the basics of compliance are almost identical. By focusing on these core principles, the author has prepared a guide to the topic which can be used by readers in any state in the nation.
This is the first book primarily directed toward assisting injured employees in gaining an understanding of the workers' compensation system, and in helping themselves and their families through the process of recovering from a work-related injury. By means of actual cases, readers are guided in both identification and avoidance of the risks and hazards of the system in order to help them achieve successful resolutions. The book also provides assistance to other involved parties in the workers' compensation system, such as medical professionals, employers, and insurance personnel, so that a positive outcome may be reached for all concerned. This guide begins with actual cases, and includes the history and development of the workers' compensation system, and a description of the conspicuous features of state laws. The book also gives the perspectives of medical and rehabilitation providers, insurance companies, and the employers. A self-help section is also included for injured workers in order to evaluate their situations and to analyze their options. The book also contains supplemental information regarding federal and state workers' compensation laws, associations that provide assistance, and information on specific injuries. This book is a valuable source for injured workers and their families. It addresses pertinent issues in workers' compensation cases, and challenges some generally accepted views. It is also helpful and informative to individuals in industry such as human resource managers, safety professionals, and persons in supervisory and managerial positions. This guide offers insightful information to medical and rehabilitation professionals, students of medical systems, insurance professionals and attorneys specializing in workers' compensation, resulting in improved communication for all those involved in the workers' compensation system.
Worker's compensation until the name was changed to make it gender-neutral) is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. The trade-off between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain". One of the problems that the compensation bargain solved is the problem of employers becoming insolvent as a result of high damage awards. The system of collective liability was created to prevent that, and thus to ensure security of compensation to the workers. This book gives you basic and practical knowledge and understanding how long things take, why things happen, and what to expect. This Book is not a replacement for obtaining legal advice from an attorney, but is a supplement to help educate and insulate you from some of the surprises that otherwise may come your way.
Worker's compensation until the name was changed to make it gender-neutral) is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. The trade-off between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain". One of the problems that the compensation bargain solved is the problem of employers becoming insolvent as a result of high damage awards. The system of collective liability was created to prevent that, and thus to ensure security of compensation to the workers. This book gives you basic and practical knowledge and understanding how long things take, why things happen, and what to expect. This Book is not a replacement for obtaining legal advice from an attorney, but is a supplement to help educate and insulate you from some of the surprises that otherwise may come your way.
Build a less expensive workers' compensation program -- and a safer workplace -- with this guide to understanding and working within the system.In his practical handbook, respected authority Ed Welch tells you what steps you can take to control costs, including: -- which injuries are covered -- and which aren't -- under federal law -- what to expect from your insurance company -- and what it expects from you -- how the states administer workers' compensation -- and whom to contact for details -- the basics on vital medical issues -- back injuries and cumulative trauma disorders -- plus -- crucial steps you can take in claims handling, safety policies, disability management, and more