Workers' compensation is something you can get following an accident while you're on the clock. For instance, if you're a motorcyclist and work in delivery, you may be traveling with products to various locations. If you're hit while on the job, you can make a claim for compensation to cover the costs of your medical care.
Some of the injuries you could suffer would include joint damage, torn ligaments, broken bones, and others. A study performed by National Council on Compensation Insurance, Inc., states that joint injury claims are often based on a selection of diagnoses for joint injuries. Some of the most common include claims for the shoulder, elbow, knee or ankle, with these diagnoses including strains and sprains, torn ligaments, broken bones or tennis elbow.
The NCCI has found that each state treats these injuries differently, and that means that workers' compensation claims are made differently as well. The study focused on how the mix of treatments took place for patients in comparison to the outcome for patients. For instance, either excessive care or inadequate care could result in permanent harm or poor outcomes for patients. How? If surgery is performed prematurely, it can lead to disability or damage to the body. Healing times are also longer. If not enough care is is received, a person may struggle longer with pain and trouble working, raising the cost of the workers' compensation overall for that case.
The study found that the greatest variation in treatments comes from the way surgeries or medications are used. What that suggests is that some states have doctors who are more prone to send patients straight into surgery, while others focus on long-term treatment with medications or pain management.
Source: Business Insurance, "Costs, recovery from joint injuries vary by state," Stephanie Goldberg, Dec. 01, 2015