INJURIES / incidents / accidents

How do I get medical treatment?

• You may receive medical treatment from the health care provider of your choice, including:

  • • • Authorized nurse practitioners, Chiropractic physicians, Medical doctors, Naturopathic physicians, Oral surgeons, Osteopathic physicians, Physician assistants, Podiatric physicians and Other health care providers

• The insurance company may enroll you in a managed care organization at any time. If it does, you will receive more information about your medical treatment options.

Are there limitations to my medical treatment?

• Health care providers may be limited in how long they may treat you and whether they may authorize payments for time off work. Check with your health care provider about any limitations that may apply.

• If your claim is denied, you may have to pay for your medical treatment.

If I can’t work, will I receive payments for lost wages?

• You may be unable to work due to your job-related injury or illness. In order for you to receive payments for time off work, your health care provider must send written authorization to the insurer.

• Generally, you will not be paid for the first three calendar days for time off work.

• You may be paid for lost wages for the first three calendar days if you are off work for 14 consecutive days or hospitalized overnight.

• If your claim is denied within the first 14 days, you will not be paid for any lost wages.

• Keep your employer informed about what is going on and cooperate with efforts to return you to a modified or light-duty job.