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Insurance

Employees with special-needs kids get improved medical coverage

03/09/2009

Parents of disabled kids who work for data management firm NetApp have access to enhanced health benefits to cover speech, occupational and physical therapy. Any child up to 12 years old who is diagnosed with a developmental delay or disorder is covered.

Take it seriously when doctor limits employee’s duties

03/09/2009

Employers ask for trouble when they ask workers to violate doctor’s orders. Train supervisors to honor medical restrictions. It will help the company in workers’ comp cases as well as ADA and FMLA situations. The following case illustrates the perils of playing fast and loose with physician certifications recommending light duty.

What do the workers’ comp rules say about employee’s flexibility to choose a psychiatrist?

03/09/2009

Q. An injured employee has requested a change of psychiatrist under Florida’s Workers’ Compensation Act. He never visited the originally assigned treating psychiatrist. Must we give the employee a choice of three other psychiatrists?

Can employee on workers’ comp who has already changed doctors now pick out a specialist?

03/09/2009

Q. One of our employees who is receiving workers’ compensation benefits and receiving treatment for a work-related accident already changed his primary care doctor once. He now wants to change to an orthopedic physician. Is he entitled to another physician in a different medical specialty?

Worker not returning from FMLA leave? Terminate, but pay benefits for full 12 weeks

03/06/2009

What should you do if you learn that an employee who is out on FMLA leave will not be able to return when her 12 weeks of unpaid leave are up? If you are absolutely sure that she can’t claim she is disabled under the ADA, you can terminate her. But you still must continue providing any benefits she was receiving while on FMLA leave, such as medical premium payments.

Shared Work Program helps workers cover reduced hours

03/06/2009

The state Labor Department wants you to know there is an alternative to cutting staff during the downturn. Employers that reduce work hours for full-time employees instead of laying them off may qualify for the Shared Work Program.

Workers’ comp deductibles, premiums to change

03/06/2009

Starting in July, Ohio employers will get their choice of five deductible levels on their workers’ compensation insurance. In exchange for lower premiums, employers will assume a larger risk for workplace accidents.

Mount Carmel Health to cut jobs, programs

03/06/2009

Columbus-based Mount Carmel Health will cut 300 jobs and several outpatient services to cope with reduced revenue. Among the service casualties are the system’s smoking cessation program including its help-line, its senior outpatient lung rehabilitation and outpatient nutrition counseling services.

Employer loses WC claim when it fails to call witness

03/06/2009

Linda Pounds, a resident assistant at Whetstone Gardens & Care Center, injured her back while changing a patient’s bed linens. Once she filed a workers’ comp claim, that’s about the only thing Pounds and the center agreed on …

What are the COBRA rules applying to small businesses in Ohio?

03/06/2009

Q. We are a small business, with only 12 full-time employees and a smattering of on-again, off-again part-timers. When an employee leaves, do we have to provide a COBRA notice?