Worker's Compensation

You may have heard about worker's compensation in Columbia, SC, but what do you really know about it? Understanding how it works can be helpful if you are ever injured on the job and need to file a claim, or if you are an employer who needs to ensure they are legal and protected.

Although regulated by the South Carolina Workers' Compensation Regulatory Commission, private insurance companies provide coverage and distribute benefits. Most employers are required to carry this insurance in case an employee is injured at work. Possible benefits include the reimbursement of doctors and hospital fees and a portion of lost wages due to recovery.

Some employers are not required to carry worker's compensation insurance. Laws exempt those who have less than four employees. Those who are in agriculture. State laws do not regulate federal employers when it comes to worker's compensation either. If you are unsure if your employer is required to carry insurance, you may want to consult with someone who is knowledgeable in local worker's compensation laws.

Although not required for all, some employers will choose to carry this insurance anyway. This provides a safety barrier, as an injured employee may still be entitled to reimbursement for their injuries. If the employer is not able to pay for those reimbursements, their assets may become vulnerable to liens, sending the employer spiraling into financial ruin.

The premium that the insurance company charges is based on two main factors. The first factor is the estimated payroll for the term of the policy. The second factor is the classification of the business. Different businesses receive different classifications based on how hazardous the job is. For instance, you are more likely to be injured on the job if your job is in construction than if your job is in telemarketing. For employers with the same amount of payroll, hazard will determine who pays more for their premium.

The South Carolina Workers' Compensation Regulatory Commission is regularly reviewing and changing the laws that surround worker's compensation in Columbia, SC. These laws are available for research through the South Carolina Workers' Compensation Commission website. Understanding all that these laws entail and how they apply to someone who has been injured on the job may be difficult for the average person. Keeping up to date on the changes can also make this a rather difficult task, so if you have questions, consulting with someone familiar with these laws is advisable.

It is also important to understand that the laws regarding worker's compensation are conservative, tending to favor the employer rather than the employee. You are covered if you experience a workplace injury, even if it is your fault. These laws are designed to ensure that an employer is not taken advantage of, but this can be frustrating for an injured employee, whose ignorance of the laws may mean that they are not fully reimbursed for their injuries.

No matter if you are an employer or an employee, it is important to have a basic understanding of worker's compensation. Ignorance of the laws can result in fines for an employer, or lost compensation for an employee. Perhaps there is even more for an employee to lose, since the insurance company is well prepared and will most likely be trying to minimize or find a way to deny their claim.

If you have been injured on the job, it is recommended that you seek the help of an attorney who specializes in worker's compensation in Columbia, SC. They stay current on the laws and their many adjustments, and can help keep you from making a costly mistake that hinders you from receiving full compensation for your injuries. Being injured puts you in a vulnerable position; don't let anyone take advantage of that vulnerability.

Worker's Compensation Doctor Near Me

Have You Recently Been Injured On the Job and Need a Health Care Professional? Here at Priority Urgent Care in Unionville, Ct, We Are Proud and Happy to Accept Worker’s Compensation Claims and Patients. If You Have Been Injured on the Job, Then Our Trained, Professional Physicians Can Help. Call Today or Book an Appointment Online. What doctors take workers’ comp? Doctors who take workers’ comp will vary from state-to-state, so you should check with any physician you are looking at visiting to make sure that they accept workers’ comp patients. Typically, you can either call or visit their website online - if applicable - to check and see if they accept patients with workers’ comp. Here at Priority Urgent Care, we accept workers’ compensation and our trained physicians are here to help treat you with compassionate, patient care. If you would like to book an appointment with us here in Unionville, call us at or visit our website to request one.

What should I expect from a workers’ comp doctor? For treatment in the majority of states, you can receive initial treatment from any physician you choose - and visits to the emergency room will also be covered in the case that your injury requires emergency care. In certain states, which includes California, you are required to initially see a doctor who is selected by your employer, if your employer already has a medical provider network for workers’ comp claims - with exceptions made for emergencies. In case you are unhappy with the physician selected, you can request to see another one to get a second opinion. Can you see any doctor with workers’ comp? It is important to note that, depending on the state where your claim is filed, you may have limited choices on which doctor you can see for treatment for a work-related injury. Some states require that injured workers be seen by doctors who are chosen either by the employer or by the employer’s workers’ compensation insurance carrier.

In other states, you may be allowed to choose any doctor within a network, with admission to the network being determined by the state, the employer, or the employer’s insurance. Additionally, rules vary for whether you can choose a doctor for the initial treatment, which may be different from one seen for continual treatment for an industrially related condition. You should also keep in mind that your regular primary care physician may or may not treat work-related injuries. The rules for treating workers who have been injured - and for receiving payment for their treatment - are quite complicated and are very different from regular health insurance billing systems. Thus, your doctor may not treat work-related injuries, but may be able to recommend you to a physician who specializes in treatment of work-related injuries. In such a situation, you may continue to see your primary care physician for any conditions or questions which are unrelated to your workers’ comp claim. If you are looking for a workers’ comp doctor in the Unionville area, then we at Priority Urgent Care are here to help. To book an appointment with us and one of our trained physicians, please give us a call or visit our website to request one there.

This is especially true when medical benefits are being paid voluntarily, since the cost of health care is so high. Some insurance companies will hire a nurse case manager to influence your medical care with the hope of reducing medical costs. A nurse case manager should never interfere with the recommendations of your medical practitioner. It is important to make sure that any nurse case manager assigned to your claim has your best interest at heart and is not just trying to save the insurance company money. Q. I’ve been asked to see an IME, now what? A. Employers and insurance adjusters usually send injured workers for “second opinion” exams by an “independent” doctor. This is called an IME, which stands for insurance medical exam, or independent medical exam. Beware: These “independent” insurance doctors are chosen by your employer or work comp insurance company, and they do not have your best interest in mind. Many IMEs will find “nothing wrong” with seriously injured workers, and then their work injury benefits will be cut off. If you’ve been told to see an “independent” medical examiner, it’s best to speak with an experienced work injury lawyer to make sure your rights are protected. Have questions about your workers’ comp doctor? Call us at (855) 221-2667, or you can fill out our free contact form. Our work injury lawyers have been protecting injured workers for more than 35 years. We can see to it that you receive the proper medical treatment, and that your benefits are protected.