Posts tagged claims
Subrogation in Workers’ Compensation

An important concept in the world of insurance is subrogation. The idea of subrogation is often confusing for even seasoned insurance professionals. It is important to understand the basics so that companies and their agents can spot the potential for subrogation, since it may mitigate the exposure of a claim, and a corresponding hike in Workers’ Compensation premiums.

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Legal “Double Dipping” Costs Employers

Lately, we have seen an uptick with a Compromise & Release (C&R) Workers’ Compensation Claims. With a C&R the injured employee receives a lump sum amount that includes a buyout of all future medical care. The carrier is “released” of all future exposure.  However, if the employee is still employed, they can file another subsequent claim with the same employer. Even if it is to the same body part, medical care cannot be apportioned. There can only be apportionment to the Permanent Disability portion of the Award.

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