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2. Can I have my employees see a doctor that Beacon chooses?
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Answer:
An injured employee has the first choice to treat with whomever they choose. Any change in physician after the first choice must be within the PPN. However, all of your employees should be familiar with and encouraged to use Beacon’s Preferred Provider Network (PPN). Physicians listed in the PPN are more familiar with Workers’ Compensation and the paperwork required to process a claim.
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3. What is the experience modification?
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Answer:
The National Council of Compensation Insurance (NCCI) develops your experience modification. It reflects your claims history compared to other businesses in your classification. Premiums are adversely affected if your claims history is worse than average or positively impacted if better than average. The experience period generally consists of three completed
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4. How can I reduce my experience modification?
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Answer:
Reduce losses! The most impact that your business can make toward reducing the experience modification is by reducing the frequency and severity of your claims. Reduce the number of injuries as much as possible and when you do have a claim reduce the costs by getting the employee back to work as soon as possible.
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5. Do I need to continue paying private health coverage?
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Answer:
Yes. You are required to continue paying private health coverage for two years from the time the employee begins to receive workers' compensation. The employee is required to continue to maintain their weekly contribution amount. Your company is not required to maintain private health benefits if your company is subject to the Employee Retirement Income Security Act (ERISA).
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