Commercial Insurance, Workers’ Compensation, and Other Payers Worksheet part B question 1

Commercial Insurance, Workers’ Compensation, and Other Payers Worksheet part B question 1

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Unformatted text preview: 1. Describe the features of the four federal workers compensation plans and the two types of state workers compensation benefits. Workers' Compensation 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. Federal workers compensation laws are administered by the Department of Labor's Office of Worker's Compensation Programs. The four major federal programs are the Federal Employee's Compensation Program, Longshore and Harbor Workers' Compensation Program, Energy Employees Occupational Illness Compensation Program and the Federal Black Lung Program. These programs provide benefits to federal workers injured or disabled on the job and certain dependents. Benefits range from medical treatment and wage replacement to vocational rehabilitation. For workers injured on the job while working for private employers or state and local governments, the Department of Labor recommends contacting a state workers‘ compensation board. The Federal Employees Compensation Act provides coverage for more than 3 million federal employees and postal workers worldwide. The Division of Federal Employees' Compensation adjudicates claims, pays medical bills and compensation. and assists injured workers in returning to work. It covers workers traditionally associated with maritime work, such as longshore workers, shipbuilders and harbor construction personnel. The Longshore Act extensions also include workers under the Defense Base Act for federal government employees at overseas U.S. military bases and contractors working outside the United States on certain government projects. Offshore oil rig workers on the Outer Continental Shelf are also covered under an extension of the Longshore Act. The Energy Employees Occupational Illness Compensation Program It provides lump-sum compensation and health benefits to Department of Energy nuclear weapons workers. These workers include current and former employees, contractors and subcontractors. If worker is deceased, certain survivors receive lump-sum payments. For example, Division of Coal Mine Workers' Compensation administers claims under federal Black Lung Benefits Act. Coal miners, who are totally disabled by pneumoconiosis arising out of coal mine employment receive compensation. Eligible miners also receive medical care for treatment of lung diseases related to pneumoconiosis. commonly known as black lung disease. Compensation also provided to survivors of coal miners when death is attributed to black lung disease. ...
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