In: Nursing
This week's discussion will consist of case studies dealing with worker's compensation. Based on this week's learning objectives, provide a short paragraph for each of the following questions:
a. Injured worker Melissa McCain was in an accident in a work vehicle, which resulted in amputation of both legs as a result of injuries sustained. What type of income benefits does she qualify for?
b. Injured worker Howard White was burned on the hand and has been off for 7 days. What type of income benefit does he qualify for?
c. Injured worker Joe Williams was injured at work and assigned an impairment rating of 18%. He is earning 80% less than the state wage and did not take a lump sum payment of impairment income benefits. What type of income benefits does he qualify for?
A) she qualify for Lifetime Income Benifit -
An injured employee becomes eligible for LIBs whenever a work-related injury or illness causes the employee to meet the conditions specified above. Injured employees who believe they are eligible for LIBs may file a written request with the insurance carrier. Insurance carriers are required to respond to requests within 60 days of receiving the request. If approved, the injured employee will receive 75 percent of their average weekly wage for the life of the injured employee. Additionally, the insurance carrier is required to apply a 3 percent cost of living increase annually. There are maximum and minimum weekly benefit amount payable to LIBs. Currently, the maximum weekly rate is $895 and the minimum weekly rate is $134. Lifetime Income Benefits are not taxable.
Lifetime income benefits are paid until the death of the employee for:
Total and permanent loss of sight in both eyes
Loss of both feet at or above the ankle
Loss of both hands at or above the wrists
Loss of one foot at or above the ankle and the loss of one hand at or above the wrist
An injury of the spine that results in permanent and complete paralysis of both arms, both legs or one arm and one leg
A physical traumatic injury to the brain resulting in incurable insanity or imbecility
Third degree burns that cover at least 40 percent of the body requiring grafting, or third degree burns covering the majority of both hands or one hand and the face.”
B. Howard White qualified for Temporary icome benifits. An injured worker becomes eligible for temporary income benefitson the eighth day of disability. Benefits are not paid for the first week of lost wages unless disability lasts for 4 weeks or more.
C.Joe Williams qualifies for Supplemental Income Benefits - To qualify for this benefit program, you must meet all of the following requirements: Be at least age 65 OR be blind or disabled. Have limited income and resources. Be a citizen or a national of the U.S.