How Rates are Decided Arizona requires that all businesses carry worker’s compensation insurance to protect workers against job injury expenses. The National Council on Compensation Insurance (NCCI), which covers most states, including Arizona, sets the class rate and experience modification factor (MOD). The MOD is part of...
If you have served in the United States military, you are likely eligible for veteran’s benefits. The military branches of the United States Armed Forces are the Army, the Navy, Air force, Coast Guard, and the Marine Corps. Even some members of the National Guard and...
The current American Medical Association (AMA) Guides, 6th edition, were published in late 2007 and there has not been an update since then. Almost every medical assessor uses these guides when evaluating a patient’s level of injury. Categories of the Body There is a guide for each...
Most employers have workers’ compensation coverage through a third-party insurance company. If an employee gets hurt on the job, the insurance carrier pays for the employee’s medical bills and lost wages. However, some employers are self-insured. Self-insurance allows savings to employers who can pay worker’s compensation...
Life occasionally deals us hard times, such as a work-related accident that leaves one temporarily or permanently impaired and/or disabled. The worker files a claim and, if accepted, receives compensation, based on a physician’s evaluation rating of injury, using the American Medical Association Guides (AMA...
You Were Injured at Work It finally happened. You were at work and while doing your job, you had an accident that has laid you off. You should notify management at once that you had an injury, even if, for now, you do not feel the...
If you are seriously injured in a work-related accident, especially if you have lost a part of your body, making it a permanent situation, you may go through some emotional difficulties while dealing with the changes. Not everyone reacts the same way to such changes,...
