article thumbnail

Why Reporting Small Claims Pays Off in ERA States

AMAXX

When it comes to workers’ compensation, small claims might seem harmless. ERA rules apply in about 35 states and were designed to encourage employers to report medical-only claims rather than quietly paying them out-of-pocket. The company decides to pay $800 for a few doctor visits out of pocket. Not always.

article thumbnail

Why We’re Still Talking About the J&J Class Action ERISA Lawsuit

R&R Insurance

It was thrown out on a legal technicality. Interestingly, regarding the plaintiffs second claim that she paid higher prices for drugs under the plans and thus paid more out of pocket, the court acknowledged that she suffered an injury that was traceable to the defendants alleged ERISA violations. Click here to read more.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

9 mental health insurance questions consumers should ask

Healthinsurance.org

How can I find out if my health plan covers mental health treatment? Total out-of-pocket costs and how those costs are distributed vary greatly from one plan to another. And as is the case for any type of care, total out-of-pocket exposure varies by plan. Does most health insurance cover therapy and medication?

article thumbnail

Understanding Retail Shop & Salon Insurance: A Comprehensive Guide for UK Business Owners

Protect Commercial Insurance

Here are some ways insurance protects your business: – Coverage for Damages : Whether it’s damage to property or compensation for injury claims, insurance can cover these costs, ensuring your cash flow isn’t disrupted. Introduction Hello, savvy UK business owners!

article thumbnail

The Hidden Cost of Letting Injured Employees Stay Home

AMAXX

Imagine this: One injured employee stays out of work for 35 extra days. At an average indemnity cost of $250/day, plus $3,000 for replacement labor, the total out-of-pocket cost is $11,750. Multiply that by several injuries—and you’ll see how quickly those numbers can spiral out of control. Seems manageable, right?

article thumbnail

How to Build a Workers’ Comp Program That Runs Itself: The Power of Systematized Communication

AMAXX

Managing workers compensation can feel like playing whack-a-mole. Why Communication is the Cornerstone of Workers Comp In workers’ compensation, it’s easy to get stuck in the weeds: medical management, state forms, lag time reporting, return-to-work logistics. They build repeatable systems.

article thumbnail

How Rent Guarantee & Home Emergency Insurance Can Save Landlords Money

Protect Commercial Insurance

– Tenant Eviction : Evictions can be a costly and drawn-out process. – Tenant Eviction : Evictions can be a costly and drawn-out process. Two insurance options that often get overlooked but can make a significant financial difference are rent guarantee insurance and home emergency insurance.