MEDICAL

• No deductible or co-payment. 

• Treatment to cure or relieve the affects of injury or illness that is scientific and evidence based. The American College of Occupational and Environmental Medicine (ACOEM) guidelines are presumed correct.

• Every carrier must have utilization review process.

• Mileage for medical appointments reimbursed at $.65.5 per mile.

• Chiropractic and Physical Therapy is limited to 24 visits each for the life of the claim for injuries on or after 1/1/04. The number of visits can be extended post-surgery for injuries after 1/1/08. Chiropractors cannot be deemed the Primary Treater after the 24 visits are exhausted. Chiropractors cannot be deemed the Primary Treater after the 24 visits are exhausted. 

• Employer / Carrier must pay up to $10,000 in medical treatment until denial on a delayed AOE/COE. (Within 90-days for most injuries.) 

TEMPORARY DISABILITY

• Two-thirds of Average Weekly Wage (gross earnings).

• Minimum: Date of injury on or after: 1/1/24 = $242.86; 1/1/23 = $242.86

• Limited to 104 weeks within five years based on a total of 104 weeks paid, regardless of first payment date.

• Maximum: Date of injury on or after: 1/1/24 = $1619.15; 1/1/23 = $1619.15

• Seasonal: If no off-season earnings, no TTD is due during the off season.

PERMANENT DISABILITY

• Compensation for any permanent physical impairment resulting from an injury or illness.  PD will be determined using the AMA Guidelines for the Evaluation of Permanent Impairment.

• PD Advances are not due if employee returns to work.

• Paid weekly until the amount of the rating is paid in full or resolved by a lump sum payment.

• Weekly Minimum: = $160

• Weekly Maximum: = $290

SUPPLEMENTAL JOB DISPLACEMENT BENEFIT

• A VOUCHER plan that pay accredited schools for training to a qualified injured employee. 

• Up to $6,000 with the voucher expiring after 2 years or 5 years from DOI.

DEATH BENEFITS

• Based on number of dependents. 

• Maximum = $320,000, or more if minor or disabled children.

• Paid at the weekly Temporary Disability rate, with a minimum of $242.86/ week, until youngest dependent reaches the age of 18. 

• Burial Benefits: Up to $10,000.