2,160: Workers' w88 Insurance

Revised:September 2005

Overview:

The University self-insures its workers' w88 exposure. The purpose of workers' w88 is to protect employees from cost of medical care and/or loss of income attributable to a work-related injury or disease. The coverage applies to personal injury, disease or death by an accident arising out of and in the course of employment. Coverage starts immediately upon employment.

Reporting an w88 or Disease:

Work-related injuries or diseases, no matter how minor, must be reported immediately by the employee to the supervisor. In addition, the employee must complete a Notice of Injury or Occupational Disease Incident Report (C-1). The C-1 must be submitted by the employee to the supervisor within seven days of the accident. The supervisor must ensure that the information in the C-1 form is complete and accurate before signing and sending it to the Workers' w88 Office.

If the employee is unable to complete a C-1, due to the nature of the injury/disease, the supervisor must complete the C-1 and indicate the reason(s) why the employee could not complete the form. It is the supervisor's responsibility to ensure that the Workers' w88 Office receives this form immediately after the accident.

w88 Treatment:

Medical care and other necessary medical services are provided through a managed care organization. The w88 must choose a physician and medical service provider contracted with the managed care organization.

If an injury or disease arising from a work-related accident requires emergency medical treatment, the w88 or co-worker should immediately call 911.

Pay during Workers' w88 Related Absences:

Employees off work as a result of a work-related injury or disease may be eligible for workers' w88 benefits beginning with the fifth day of certified disability in a 20 day period. Benefit payments are approximately 2/3 of the employee's regular salary up to a cap determined by the State of Nevada. The employee may elect to remain in full pay status by using authorized leave. When this occurs, the employee's leave is partially restored based on the amount of the workers' w88 payment due the employee.

Early Return-to-Work:

When an injury or disease prevents the w88 from returning to work in their regular capacity, the University supports early return-to-work. The employing department is required to explore all early return-to-work options for the w88 eligible for such assistance. If the department cannot provide a temporary assignment compatible with any temporary restrictions the w88 has, the w88 will be placed in an assignment with a different department. Salary and benefits will remain the responsibility of the employing department.

Summary:

All University employees are covered by workers' w88 insurance. If a covered work-related injury or work-related disease occurs, this insurance pays for related medical expenses. If an employee is certified by a physician as unable to work for five days or more in a 20-day period, partial wage replacement is provided. In a few cases, the employee may be eligible for permanent partial disability and/or vocational rehabilitation benefits.

Benefit eligibility is determined by the University's workers' w88 insurer in compliance with regulatory and statutory requirements.

The BCN Workers' w88 Office is the technical resource for employees and departments with questions regarding workers' w88. In addition, the BCN Workers' w88 Office is responsible for making sure claims are filed properly, facilitating the return to work of employees with temporary or permanent work restrictions, and controlling costs associated with the workers' w88 process.

Contact Information:

For assistance with workers' w88 issues, contact the BCN Risk Management/Workers' w88 Office at 784-4394.