3 Signals It’s Time to Close the Claim

Some Workers Compensation Claims seem to have a life of their own. Before you know it, years have passed since the Date of Injury. Here are 3 signals telling you to take a hard look at settling now. The Injured Workers is 61 years old. Once an injured worker reaches age 62½, any buy-out of future medical…

Teaching Risk Management to an Eight-Year-Old

“Grandma, why did you move my chopsticks?” My extended family was dining on Cashew Chicken, Mongolian Beef, and fried wantons. Without missing a beat I answered, “Well, Ashley, I’m all about risk management. I noticed your chopsticks were sticking out over your lap, and there was a risk you or I might knock them to…

Get “In Pro Per” Claims Off The Books

You know the claims I’m talking about: the really old claims where the Injured Worker is representing himself/herself. Let’s call them the SRAs, self-represented applicants.  Active SRAs file one court paper after another, causing the insurer or self-insured employer to fund what seems like a never-ending stream of money to send a representative to the…

HOW POLITICS DRIVES UP THE COST OF YOUR MSA

For President George W. Bush and Congress to get Medicare Part D drug coverage passed in 2003, they had to make significant concessions to big business, including the drug industry. One of the law’s provisions forbids the government from setting rules for negotiating better drug prices. The “noninterference” section says: In order to promote competition…

Six Biggest Mediation Misconceptions

The Mediator might rule against me. Mediators do not make any rulings. The role of the mediator is to help the parties resolve the issues.   If I go to mediation, I will have to give up something. Negotiation is about compromise. Each side usually gives up something. You won’t give up anything unless you, and only you,…

Understanding Public Income and Medical Benefits after the Affordable Care Act

There’s a lot more to the Affordable Care Act than buying private health insurance through an exchange marketplace like http://www.CoveredCA.com. Four kinds of public benefits can help people get the medical care they need: Subsidized premiums and co-pays for private health insurance purchased through an exchange.  Commercial insurers issue these policies, not the government. Medicare,…