Workers compensation is a "people business." This concept is simple to say but, too often, difficult to execute - especially given our reliance on technology and mass communications. One workers compensation provider offers insight thanks to their specialized expertise in workers compensation. Key Risk maintains its sole focus on workers compensation while the industry leans toward bundling multiple lines of coverage. In 2007, Key Risk delivered better outcomes and outperformed the industry significantly. The company's success is based on their robust, multi-faceted approach to claims management. According to the company, five factors contribute to delivery of more effective workers compensations programs. People Needing People Recognize that workers compensation is a "people business." Focus on a mission that is grounded in a promise that if something happens to an employee on the job, they'll receive due benefits. Secondly, develop loss control programs to empower client organizations to prevent injuries in the first place.
Finally, recognize that trust means everything in getting injured parties back to work. Allow nurse case managers to help employees return to work full-time or implement transitional duty programs. Less can be More Develop a better way to manage workers compensation claims. Key Risk links a commitment to lower case loads per claims professional with a responsive claims call center. Focusing on customer service helps to facilitate claims reporting as well as reduces response time to basic questions. Taking Out Unnecessary Costs A third factor is expertise in medical bill and utilization review. Integrate the people, expertise and technology needed to reach the best claim outcome while containing medical cost. Life is a Network Applying local knowledge of area physicians and pharmacies adds a multi-layered medical and diagnostic provider network to better address the broad, as well as specialized, needs of injured workers. Specialized expertise in workers compensation is working for Key Risk. The company's track record of success seems counter-intuitive, especially given escalating medical costs, complex federal and state mandates, and jurisdictional factors. However, regardless of the market conditions, the company is not going anywhere, but up.
If you feel that you aren’t receiving proper medical care, or you don’t agree with your doctor’s opinions and recommendations, you may switch to another physician under the procedures and timing that apply to your situation. If the insurance company has an MPN or HCO, you may switch from your predesignated doctor to a network physician at any time. During the first 30 days after you reported your injury, you may change doctors once, but the insurance company will usually select your new doctor. After 30 days, you may transfer to a doctor of your choosing. You must notify the insurance company of the change and provide it with your new doctor’s name and address. If the insurance company has an MPN, you may change doctors any time after your first examination. However, you typically must treat with a network physician or provider for the duration of your workers’ comp claim.
If the insurance company has an HCO, you may request a change to another in-network doctor, but the HCO will assign you the new provider. You may switch to a doctor outside the HCO after a waiting period that starts when you reported your injury: 90 days if you don’t have regular health insurance through work, or 180 days if you do have employer-provided coverage. Where Can I Get More Information About California Workers' Comp Rules? The California Division of Workers' Compensation website offers helpful information about its rules and procedures, including brochures, guides, and forms. But if you’ve having trouble getting the medical care you need, it might be time to contact a workers’ comp lawyer. An attorney who’s experienced in this area can guide you through the process of changing doctors and getting approval for treatment if the insurance company is balking. A lawyer may also be able to recommend a good treating doctor who knows how to deal with the workers’ comp system.
Insurance companies routinely deny benefits. Our law firm has your interests in mind. We will use our experience and skill to help you pursue the benefits you need to cover the medical bills you have incurred as a result of your workers compensation injury, and we help you seek disability benefits. Contact us today to speak with an experienced workers' compensation attorney. Our attorneys are interested in making sure you receive proper medical care and receive the workers' compensation benefits to which you are entitled. If you dispute the findings of the insurance company's doctor, we can help you seek the opinion of an "agreed medical examiner" who is independent of the insurance companies. If you are seeking workers' compensation benefits or are facing the denial of treatment, we can help. Contact us online or by telephone at 415-292-7800 to speak with an experienced California workers' compensation attorney. For your convenience, we offer free initial consultations. Our billing is strictly on a contingency fee basis: You don't pay us unless we win compensation for you. We speak Spanish, Mandarin, Cantonese and Tagalog.
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