Workers' compensation. Dangerous tasks are common in the construction workplace Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain". General damage for pain and suffering, and punitive damages for employer negligence, are generally not available in workers' compensation plans, and negligence is generally not an issue in the case. These laws were first enacted in Europe and Oceania, with the United States following shortly thereafter. Statutory compensation law Affordable Health Insurance For Families. What Is Third-Party Insurance? : Insurance Questions.
America's Health Insurance Plans - AHIP. Health Insurance Made Simple. Individual Health Insurance Quotes. Individual & Family Health Insurance Quotes. We have plans to fit your needs during open enrollment Major Medical plans available with coverage that starts March 1, 2015 Wide range of plan levels available: bronze, silver, gold, platinum or catastrophic Plans available with copays for office visits View plans.
State Farm Health Insurance Individual Health Plans. Long-Term Care Insurance (LTC) - John Hancock. Long-term care (LTC) insurance is important coverage that provides valuable support and financial resources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging.
By helping to protect your assets, and giving you choice and control over where you receive care—including in your home—LTC insurance helps you and your family face the future with confidence. Already a Policyholder? For plans purchased through an agent or broker, please call us at 1-800-377-7311 or send us an email. For plans purchased through your employer, please call us at 1-800-525-4361 or send us an email.
Visit the Website John Hancock offers a comprehensive array of LTC insurance products available through financial professionals, employers, and associations. HMO: Health Maintenance Organization. A health maintenance organization (HMO) is an organization that provides or arranges managed care for health insurance, self-funded health care benefit plans, individuals, and other entities in the United States and acts as a liaison with health care providers (hospitals, doctors, etc.) on a prepaid basis.
The Health Maintenance Organization Act of 1973 required employers with 25 or more employees to offer federally certified HMO options if the employer offers traditional healthcare options. Unlike traditional indemnity insurance, an HMO covers care rendered by those doctors and other professionals who have agreed by contract to treat patients in accordance with the HMO's guidelines and restrictions in exchange for a steady stream of customers. HMO: Blue Cross Blue Shield of Texas - Health Insurance Texas - BCBSTX. PPO: Preferred Provider Organization. In health insurance in the United States, a preferred provider organization (or PPO, sometimes referred to as a participating provider organization or preferred provider option) is a managed care organization of medical doctors, hospitals, and other health care providers who have agreed with an insurer or a third-party administrator to provide health care at reduced rates to the insurer's or administrator's clients.
Overview A preferred provider organization is a subscription-based medical care arrangement. A membership allows a substantial discount below the regularly charged rates of the designated professionals partnered with the organization. Preferred provider organizations themselves earn money by charging an access fee to the insurance company for the use of their network (unlike the usual insurance with premiums and corresponding payments paid either in full or partially by the insurance provider to the medical doctor). PPO See also References The Differences Between Cigna Open Access and PPO. Understanding Your Health Benefits FAQs. PPO: Workers Compensation (Workers Comp) Insurance. You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow.
Even in the most ideal circumstances, the reality is that accidents and illness still happen. A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things. Upon the unexpected, it's essential that your employees' medical needs are quickly addressed so they can return to work as fast as possible. And that's exactly what Farmers can help you do. Let a Farmers agent create a tailored, multi-covered solution, including Workers' Compensation Insurance that meets the specific needs of your business.
Rely on experts who know workplace injury. Managed Care: MedlinePlus.