·PROMPT AND ACCURATE BENEFITS ARE OWED TO AN INJURED EMPLOYEE ONCE THEIR CLAIM IS DETERMINED TO BE COVERED UNDER WORKERS' COMPENSATION. YOU MUST REPORT WORK-RELATED ACCIDENTS IMMEDIATELY TO ENSURE PROPER DELIVERY OF BENEFITS. DELAY IN THESE BENEFITS MAY EXPOSE YOU TO PENALTIES AND ATTORNEY FEES.
·When an accident is timely reported we are able to conduct a prompt investigation into the facts of the accident. Prompt reporting also enables us to control the claim from the beginning which in turn may lead to cost savings. Once our investigation has been completed, we will pay the claims we owe and defend the claims that are not owed under workers' compensation. Timely reporting of each and every work-related accident saves you money!
There are 3 types of workers' compensation claims that can be reported:
1.Reporting purposes only (RPO) - These are reported accidents, which have not, as of yet, yielded an injury warranting indemnity (wage loss) benefits. Record of these accidents is input into our system and the claim immediately closed pending any further activity. This serves as evidence of yours and our knowledge of the accident. This will not be recorded on your loss history.
2.Medical Only - These are claims that do not incur indemnity benefits. (wage loss benefits) .
3.Lost Time - These are claims that incur both medical and indemnity benefits. Indemnity is due once the employee misses over 5 days of work.
·If you as the employer pay the salary of you employee for missing over 5 days, you still must report the claim as it must be filed with the Workers' Compensation Commission as required by law.
Simply call 1-800-264-8085, dial 0 and tell the operator you need to report a BCAM claim. A BCAM claims representative will gather all of the claim information from you over the telephone. We will input the information into our computer system and once completed, your new claim will go to the proper claims handler. This relieves you of the paperwork associated with the reporting of a new claim. We will complete all necessary forms and handle the filings with the MS Workers' Compensation Commission. Some of the information you will need when reporting the claim by phone is:
a.Employee name, Social Security number, date of birth and any other information regarding your employee b.Date and facts of accident c.Description of Injury/Illness d.Any medical treatment information that may have already taken place
Report of Injury by Fax
You may also complete an Acord Mississippi Workers Compensation First Report of Injury (FROI) and fax it to us at 601-427-1557, Attn: BCAM Claims Department. Again, we will make the necessary filings with the MS Workers' Compensation Commission.
