It can be a very slippery slope: There is a fine line when considering the modern workplace plus the traveling employee and how the work comp insurance providers perceive these workers. Some of these issues have been mentioned at The Traveling Employee.
The creator of this post gets straight to the point: If an injury occurs to an employee that was breaking the law during the accident, then will the insurance company be responsible for the medical treatment reimbursements?
Specifically, this question arises from the challenges facing the responsibility of whom will pay when employees use their cellular phones illegally. Most importantly, who is responsible while traveling in a vehicle outside the normal space of the office walls and obtains injuries from an accident stemming from breaking the law. This claim has a ninety nine percent chance of being denied from the work comp insurance carrier provider.
It can easily be anticipated that insurance providers are constantly changing policy provisions to cover their positions. Again, one can almost guarantee that claims including injuries due to negligent actions that are illegal will be promptly denied many a time. Experienced Worker’s Compensation Physicians can assist. This is worth commenting below.
I was reviewing another worker’s compensation article that made a few great points. The posting at Washington and Business Costs should increase one’s concerns.
After businesses lobbied the DLI, which is the Department of Labor and Industries, they have considered a rate hike of no more than eight percent. It’s easy to suspect that the businesses being referred to in the article are insurance companies. The Labor groups take as much action as they can against the “Businesses” and the lawmakers with no success.
Among some of the changes other than increased rates include decreased payout amounts and lower settlements. If rates are increasing then why are the payouts decreasing? The only one that seems to be negatively affected is the injured worker. When an employee is injured at work, their income instantly drops sometimes by half. Now just imagine this extra burden. Who’s lobbying for the future injured? Nobody! It’s been mentioned many times, the representatives in the House look like they’re merely “Playing House”. Although Washington should be ashamed, there are still a few Work Comp Specialists and Physicians in your area.
Many are talking about the recent case in which a Florida judge awarded an illegal immigrant worker's compensation benefits even though the worker is an illegal alien. The on the job injury occurred at a construction company early last year. Lawmakers Concerned About Work Comp Case is just one of the articles that one could find explaining some of the details of this awkward case.
A panel of of three judges from the First District Court of Appeals found that the illegal worker, Luis Aragon, was entitled to the benefits that normal citizens would obtain after an on the job injury. The judges thought process was that it was the only right thing to do. The judges contend that the insurance company should pay for the medical care instead of the taxpayers amid unreimbursed medical treatment.
Many of Florida's state representatives disagree with the crazy decision including Ritch Workman. He believes, like most, that the insurance company should recoup all expenses involved in this case from the construction company. Sure, it's only a misdemeanor to hire an illegal immigrant in Florida but it should be a felony for both the employer and the employee. It is against the law to be an illegal alien. Florida has more strict laws than other states due to problems like these. Some suggest that the business license be revoked from the construction company or any other businesses that hire those that break the law right in front of your face without concern. Who would want to hire someone with these qualities and characteristics in the first place regardless of low wages?
To make things worse and to strain the court system furthermore, the lower court judge with all his pseudo wisdom awarded this same illegal alien permanent total disability benefits on a continuous basis because he felt that the law breaker was going to have great difficulty obtaining another job due to the lack of the English language. Are you kidding me? This judge gave a law breaker free money for life because he can't speak English. What? The illegal immigrant should have been given prompt medical care and then immediately deported.
Experienced Workers Comp Doctors and Physicians are available with some research regardless if the work comp system is being strained by the poor decisions like the judges mentioned above as well as the increased premiums because of the illegal workers like the one mentioned above. Where do you stand on this delicate problem? Comment below.
Many illegal immigrants and workers usually have a difficult time obtaining healthcare, especially worker's compensation. But there is hope for these types of employees when it comes to receiving medical services.
Federally funded clinics are starting to emerge in popularity for many reasons. Most importantly, these facilities provide free medical treatment for illegal workers that don't have the ability to leave the job site to visit the medical clinic. And these employees are further concerned to engage certain people due to their immigration status. Moreover, most cannot afford healthcare or even office visit charges.
These free clinics continue to increase in locations. Surprisingly, these federally funded physicians will travel to the immigrants work site and provide medical care before work, after work and sometimes during the workers' lunch breaks. Only approximately twenty percent of these illegal workers utilize the free program due to a variety reasons of mistrust and a history of racial allegations. If an illegal worker cannot afford healthcare for any type of symptom or cannot travel to a medical clinic, then this would be a great place to start.
Worker's compensation benefits don't compare to regular healthcare benefits. Since the insurance providers lobby congress to pass certain laws, the work comp system positively caters to the workman's compensation insurance carriers. Medical treatment is still difficult to get approved by these insurance companies and reimbursement rates continue to decline. However, there are a few Experienced Work Comp Physicians and Medical Clinics available for on the job injuries and more.
With all this said, illegal immigrant workers that are injured at work can bypass the entire worker's compensation system without paying a dime. Happily, the employers of these injured workers don't have to pay the overly expensive work comp insurance premiums. The company owners can just simply call out the free traveling mobile medical clinic. Perhaps, they should just have a monthly clinic day and schedule a few baby deliveries at the same time. This is a deal for employers and immigrant workers; they get immediate medical treatment without first going through the difficulties in locating a treating physician and also not having to wait for authorization. Comment below if you know more.
All the talk was about a one day event In a recent article over at The Examiner. Once you start reading this article it seems like a bit of an awkward idea but the reader will soon realize communities across the nation could emulate these events.
A local medical clinic held a one day event that encompassed a variety of assistance that provided the community with a "All in One Support the People Day". The event was fundamentally organized to provide a multitude of help.
The one day function was promoted and funded by church groups, donators and community volunteers. The event was sectioned off and booths were created around the campgrounds that individually provided different specifics. These booths ranged from social services, medical assistance, dental services, bible distributions (including multiple language distribution points), and hair cutting stations to mention a few. But the reader will most likely chuckle when the article further explains that the Cat Coalition has set up camp and provided pet care stations.
The community really came together on this one. Clinics and doctors can at times be difficult to locate based on the type of injury or insurance especially because events like these don't happen very often. However, there are Experienced Physicians and Medical Clinics that can provide these same treatments and services daily regardless of the injury, pain and (insurance; or the lack thereof.)