Every year, thousands of Americans are injured at work while performing their routine jobs. Employers in Nevada are obliged to offer workers’ compensation insurance to people who are injured or handicapped on the job.
Workers’ compensation is the sole means for employees in Nevada to get benefits if they are injured at work. You must submit a workers’ comp claim if you are injured at work.
To collect benefits, you only need to demonstrate that your injury was caused by employment and not by another reason.
Four major disability compensation programs are conducted by the OWCP, the Office of Workers’ Compensation Programs, of the US Department of Labor. For federal workers (and their dependents) who receive an occupational injury or develop an occupational disease as a result of their work, this program provides the following:
Workers’ compensation coverage is provided for the following:
A work-related injury occurs due to or is connected to one’s job. For example, the injury might result from a specific incident or an accident. An occupational injury might also result from a work-related injury. This includes any sickness or damage resulting from prolonged exposure or repeated motions at work.
An employee works for another individual, whether legally or illegally, with or without a documented agreement. Subcontractors could be considered employees of a contractor. Employees do not include:
The following occupations are excluded from workers’ comp insurance coverage requirements:
Private carriers licensed in Nevada can sell insurance to employers or organizations that are self-insured, self-insured public employers, and self-insured private employers may become members of an association.
Employers must pay for this insurance, and employees must not contribute to the compensation expense. The Workers’ Compensation Board directs the payment of weekly monetary payments and medical treatment by the employer’s insurance carrier.
Employers must give employees the necessary forms to make a workers’ compensation claim. The employee’s claim is completed by you or your workers’ compensation lawyers and an examining workers’ compensation doctor. This must be completed within 90 days following the accident.
Workers’ compensation is a no-fault insurance policy. You merely need to show that the injury occurred at work. For an occupational injury, you must demonstrate that the ailment was caused or exacerbated by the employment and was not just the natural evolution of a pre-existing disease or condition.
Nevada statutes govern workers’ compensation benefits. In Nevada, there are precise processes for submitting a workers’ compensation claim.
When you are injured, you must notify a supervisor. The supervisor should give a C-1 or Notice of Injury or Occupational Disease form. Filling out the form does not imply that you require medical attention. It simply indicates that an incident occurred at work. Employers must retain C-1 forms for three years.
An incident report includes information, such as the date and time of the accident, the injury and injured body parts, how and where it occurred, confirmation and witnesses that it occurred while working if the employee left work, and other related information. The form should be completed within seven days since the injury happens.
If you have requested medical care for a work injury or have been absent from work due to a work injury, you can file a workers’ compensation claim.
Under workers’ compensation insurance, you should see an unlicensed doctor. After that, you and the doctor must complete the C-4 form.
Information required for the C-4 form is identical to the information required for the Notice of Injury or Occupational Disease form above, including the insurance company’s name and your job. If you need to know the insurance carrier’s name, go to the employer’s office and look at the needed worker’s compensation poster. You can also check with your employer.
The C-4 form part two is for the doctor who will evaluate you. It includes information, such as diagnosis, injury description, work-related injury, treatment, needed care, if you were under the influence, if you need to remain off work for more than five days, and any previous injury contributing to the injury.
The doctor must fill out and send the paperwork within three days following therapy. Copies of the form are distributed to the insurance company, your employer, and yourself. A workers’ comp claim is filed when the paperwork is submitted.
After receiving the claim, the insurance carrier has 30 days to approve or refuse the claim. The insurance provider will also go through the C-3 form, the Employer’s Report, and the D-8 form or Wage Verification.
The Employer’s Report and Wage Verification must be submitted to the workers’ compensation insurance carrier within six working days of getting the C-4 form or Employee’s Claim for Compensation.
Then, the insurance provider will either accept the claim, notify the employee, and start providing the benefits, or reject the claim and notify the employee and the Nevada Department of the denial.
Based on medical proof, the insurance company will determine how much longer your claim will be active and how much permanent disability benefits will be paid. It will also determine whether vocational rehabilitation is required. When the claim is resolved, the insurance company will notify you.
If you disagree with the insurance corporation’s judgment, you may file an appeal with the Department of Administration’s Hearings Division. You must file a request for Hearing – Contested Claim. Do it in 70 days after the decision to appeal. You may also choose to settle your Nevada workers’ compensation claim.
If a job injury worsens after a case has been closed, the claim for workers’ compensation might be renewed. Reopening a claim necessitates a doctor’s note stating that your health status has changed and that the changes are the consequence of the initial injury. You write a letter to the insurance provider requesting that the claim be reopened.
Nevada’s Workers’ Compensation Program offers several benefits aimed at helping injured employees. Among these advantages are the following:
TTD or Temporary total disability benefits are made until you reach maximum medical improvement (MMI) and can work again. You may be qualified for temporary partial disability if you continue to be injured but can do modified responsibilities. You may be entitled to lifetime benefits if your workplace injuries are permanent. Meanwhile, temporary partial disability perks are provided for the duration of the disability, up to two years.
Workers’ compensation coverage has no waiting time. Your employer’s coverage protects you after you are hired.
ProAm is proud to announce that it has started delivering rapid, high-quality medical care to injured employees and providing employers with the information they need to promptly and safely return employees to work. Our complete workers’ compensation medical care program is built on the basis of prompt access, communication, and consistency.As a result, companies can evaluate their employees efficiently and professionally at our highly equipped facility to improve their productivity. Please contact us at 800-674-9515 with any questions or to schedule an appointment. You can also make an online appointment.