Is ERAC self insured for workers Comp?

I know they are self-insure themsleves for auto accident liability, but what about Workers Comp?

I know someone that had a comp claim, and an insurance company handled the claim, but does erac have an insurance company administer the claim and erac is the payee, or does an insurance company actually insure them for workers Comp?

Originally Posted by Unregistered

I know they are self-insure themsleves for auto accident liability, but what about Workers Comp?

I know someone that had a comp claim, and an insurance company handled the claim, but does erac have an insurance company administer the claim and erac is the payee, or does an insurance company actually insure them for workers Comp?

They may outsource the claims handling, but self insure otherwise. There may be some insurance purchased to cover catastrophic (large) claims that kick in after a certain dollar amount.

They have to display employers liability certificates by law (Chubb insurance), so i guess that means no. Also buy third pary liability cover (with a small excess of 100,000!) - imagine THAT hitting your branch!

Originally Posted by Unregistered

Also buy third pary liability cover (with a small excess of 100,000!) - imagine THAT hitting your branch!

What do you mean with this...not sure?

I ask the original question because she has a claim that may need to be reopened, and it may be a big claim, and I was wondering if she is fighting erac or the insurance company?

Originally Posted by Unregistered

What do you mean with this...not sure?

I ask the original question because she has a claim that may need to be reopened, and it may be a big claim, and I was wondering if she is fighting erac or the insurance company?

Fighting Erac or the Insurance Company?

Consider it one and the same.

Originally Posted by Unregistered

Fighting Erac or the Insurance Company?

Consider it one and the same.

not neccessarily...The tactics may be different.

Originally Posted by Unregistered

not neccessarily...The tactics may be different.

Bullcrap. Erac tells the adjuster that is handling thier claim how to pay, how aggresive to be etc.

To answer your question, it depends on the state and the Work comp laws. In the states near myself, there is a third party administrator who handles the work comp claims. One caveat: they will try as hard as they can to dissuade you from filing a claim. If you run into problems...hire an attorney.

I do insurace overpayment work in California and Nevada, just my two cents. Generally the WC policy is 3rd party and they generally pay medically based on a state mandated contract. If you are persuing a medical claim ask the hospital for a UB92 or HCFA form if it is a Dr's office. These are the nation wide standard billing forms. Then call your state insurance board and ask where you can find out what should have been paid baseds off of these. Document the phone number and the person you talked to, then call the 3rd party administrator. Let the rep know you have the state Workers Comp payment schedule and know what should have been paid...that will scare any peon rep if they underpaid. If it is a personal injuray small claims type suit, I'd just get a Dr's statement proving disibility and talk to a laywer. It is extremely hard to screw an employee out of WC benefits. As long as your injury is something plausable with what you do for a living and you say yeah it happened at such and such day and time and such and such occured. If the WC admin hasn't notified you of payment I'd call the hospital over and over and over. Eventually they'll go midevial on the WC admin. Always remember, never give your medical insurance card if it is a WC claim, never pay a dime and make sure the admissions staff at the facility know it is workers comp and let them know as best you can date time and how the injury happened. They document all of that and make the determination as to if they bill workers comp or not.