Worker's Compensation Essays

Worker's Compensation Essays

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Worker’s compensation is a form of insurance that provides replacement of wages and medical services to employees injured during the course of employment.1 The system is administered and regulated on a state-by-state basis. In the state of Florida, employees must report an injury or accident within 30 days of its occurrence to their employers. Following acknowledgement of the accident, the employer must report the injury to the insurance company within 7 days.2
The insurance company must determine if the work-related injury is covered under Florida law. The insurance company must then send an informational brochure to the employee within 3 days after receipt of notice from the employer.3 The brochure contains information containing rights and responsibilities of employees. Following determination that the law covers the work-related injury, the insurance company must provide an authorized physician, pay for all authorized medically necessary care, and treatment related to the injury.2,3
Employees should expect authorized treatment and care to include doctor visits, hospitalization, prostheses, travel expenses to and from medical treatment or a pharmacy, medical tests, prescription drugs, and physical therapy. Employees will also receive wage replacement benefits if they have been disabled for more than 7 calendar days and are unable to perform normal job duties as advised by his or her authorized physician. Wage replacements will equal two-thirds of the pre-injury weekly wage.5
Physical therapy providers are not limited to the amount they can charge for their services. However, Worker’s Compensation insurance is not obligated to pay the bill in full, but instead, reimburses physical therapy services based off of standard rate...


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...or a clinic that provides physical therapy, occupational therapy, and speech therapy.10 As long as only these rehabilitative services are provided on a ambulatory or outpatient basis, and no other medical services are offered at the clinic which are outside the scope of the medical director’s license, then the physical therapist may appoint him or herself to serve as the medical director of the clinic for the purposes of facility licensure.10
The FPTA sees potential barriers with the new PIP insurance reform including the dual requirements of clinic licensure and accreditation which is lengthy and costly.10 Furthermore, the FPTA believes the length of time for patients to recover from these injuries will be extended, which will drive the costs required for care higher.10 The new reforms block early and essential rehabilitative care for the injured patient. 10








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