Home | Links | Contact Us | Bookmark
Financial Forum Search :
   Homepage      News      Financial Topics     Finance Directories      Financial Forum      Dictionary  
Financial Forum    Insurance
Finance Discussion Forum

 Appraisal value of a home and the rebuild value given by your home insurance, should they be close in value?
Are they generally close? Or is one generally much higher than the other?...


 Fully comp on my insurance and had my car 3 wks it got smashed up and is a write off no v5 will they pay me?
...


 Help please..? I'm so confused!?
Very confusing story.

I'm 16, I'm not living at home as I was kicked out a few months ago..

I lived with my dad until I was 11 with the last name thats on my birth ...


 How can you be the best in your choosen career?
I am marketer in my organization and and I am given target to meet. How do I supercide my target....


 Lost national insurance card/number can I retrieve it somehow?
As above x
Additional Details
I recieved my card last year just before my 16th Birthday. I have only just got my first job so there is no evidence of my number elsewhere. I need the ...


 Are Independent agencies willing to take on part time producers with limited amounts of placements?
I have a full time job but would like to gain experience and to a lesser extent earn supplemental income by producing for an independent agency with spare time after work and on weekends. Is that a ...


 Are companies leagally required to provide proof of insurance to customers?
...


 Life insurance - Term or Permanent?
If we are a young family of 3, with one child (1 years old) and we both are 29 years old, which is the best option for Life Insurance to purchase for myself (mom) as my employer doesn't offer ...


 How would I know which type of life insurance is best for my family? Term or Whole?
My husband and I are healthy and in our mid to early twenties, with one child. How would I know which life insurance is best for our family?...


 Who is responsible for stolen property at a place of business?
I was at a tattoo parlor getting a tattoo. Some one walked in and while everyone was distracted, stole my coat with my car keys, cellular phone and wallet. Is this something the business's ...


 Is it possible to claim for disability insurance in case of job loss?
...


 Life insurance help?
WHAT IS BEST WAY OF SELLING LIFE INSURANCE...


 Give me the details of HDFC standars life insurance,birla sunlife insurance policies for individual?
I am looking for life insurance plans. i am 23years old ....


 Does state farm punish you and jump insurance rates if they find out about bankruptcy (13 now paid)?
Bought a 2004 Pagsta 97cc mini chopper and was extremely hard to insure for some strange reason. through progressive it cost $269 a yr for liability only!! what to do, afraid to check rates and have ...


 Looking for a cheaper attorney?
i live in englewood fl which is charlotte county fl. i am looking for a more inexpensive family attorney....


 Can my OB/GYN require payment BEFORE service?
I'm 37 weeks pregnant. I am a stay at home mom and my husband is a government employee and his employer carries our insurance. My deductable is $200 and my out of pocket maximum is $1000. My ...


 Basic Cost for insurance for small business?
...


 Should people that dont use signals while driving pay more for insurance?

Additional Details
It seems like only 1 out of 10 people use them around here....


 My health ins. premium went up again. What is causing this? I am fed up.?
Rising costs of health insurance: here are my theories why:
exorbitant salaries of ins. ceo's, over prescribing of medication by doctors, over testing by doctors, people going to the doctor ...


 Health insurance help?
What should I concentrate on in looking for health insurance? I am trying to find the best insurance plan for a reasonable price. Is it important to look for deductibles, or copay, or what else ...



Mindscrude
Does workers comp cover former employees?
I was injured at work two months before I was fired and I am currently dealing with a hospital bill that won't go away. I don't have the money to pay for it. I've been calling my former employer, the hospital, and the insurance company and no one seems to be helping very much.
                     
 




Don Drapers woman
Depending on the state you live in, you usually have a year from the date of injury to file a work comp claim. Indiana allows 2 years. If you filed a work comp claim, then you need to tell the hospital it was work comp, give them your claim number and insurance carrier name. If you did not file a work comp claim, you may have some difficulty in getting a claim accepted at a late date. Even though the law allows a year to file (depending again on the state) the adjuster will be suspicious and wonder why you waited so long to file. If your former employer denies you had any sort of injury on the job, you will have a problem getting your claim accepted. Just because you were fired is no reason for your former employer to deny your work comp claim. If you were an employee on the day you were injured, you are covered. Good luck to you.


fuzzykitty
Can you prove you were injuried at work , on the job?? Did you report it when it happened??


src50
Did you notify your employer of the injury and file a WC claim at the time you were injured? That is your responsibily as an employee. If you didn't, you'll have a hard time proving your case now.


A decent answer
Well the problem is now what you have is your trying to report a claim that is 2+ months old. You will need to talk with your doctor telling them that this is a work comp claim. However your claim will raise significant "red flags" because:

1. it's reported late, some states require you to report it by a certain time frame, 60 days or 90 days.
2. You got fired, even though your covered up to your termination many adjusters will see this as a retaliation claim. You mad you got fired so your sticking it to them

From my view your claim could go either way, it could be accepted but could be denied. If your company knew of the injury and didn't report it than it could be reported than you might be able to be OK with this. But if they don't know anything about it than you have the burden of proof.

Call an attorney and tell him your situation, you might have a case but than again an attorney might not want to touch this because it's been so long and they might not want to deal with this.
If an attorney won't help you on this and you did file it than ask about a small settlement to kill off the bill. It's one option that you look at.


mbrcatz
Rating
OK, what you're asking is, do workers comp benefits cease when your terminated.

The answer is no. If the injury was covered while you were employed, it's STILL covered after you're terminated.

Your adjuster should be telling you, "yes, we're accepting this claim" or "no, we're denying this claim". It's pretty clear cut. And if they're accepting it, they should pay it. If they're denying it, you're going to have to pay it, and maybe hire a lawyer to get the claim covered. If they are denying it, they'll tell you why.


Sue
Was claim reported right away? If so, the workers comp company should be paying it, denying it (if the injury was NOT work related at all, even if you were on the job - example, I know of someone that had their arm broken while arm wrestling at work, NOT covered) & the reason (they you would have to pay if denied for a valid reason), or paying a portion of it. If they pay a portion of it, they will need to explain why - probably bill exceeds "reasonable & costumary" charges. If you are still getting no where, call the State Insurance Dept, ask for someone that deals with workers comp. They should be able to explain to you your rights, what should be happening, etc. My husband was injured at work, he just had to go to the ER & then went back to work. The hospital tried to bill him for the difference in the bill & what the insurance company paid. In our state this was illegal, the hospital threatened collections, threatened lawyers, etc, but they had no leg to stand on (if I was not an agent, my husband would not have known this & paid the bill). So, when my husband called the dept of insurance, they called the hospital, faxed the law, etc. Then, when my husband got ANOTHER bill, the same person at the state faxed over the law when the person was on the phone, they finally got the paperwork & wrote off the bill. My husband did not owe a dime. Calling the State is free, I would go that route before calling an attorney.


 Enter Your Message or Comment


User Name:  
User Email:   
Post a comment:







Archive: Forum -Forum -Finance - Links - 1 - 2 - RSS - All RSS Feeds
The Causes and the Results. 0.054
Copyright (c) 2011 Financial Crisis Sunday, May 27, 2012 - Terms of use - Privacy Policy