Occupational disease claims can strike without warning. They can be presented long after employment has ended, and may or may not be the result of employment. Medical and scientific proofs for causal relationship can be vague or misleading, and more and more normal health failures are being alleged and adjudged as work induced. When occupational disease litigation is necessary, the trend in these cases has been favoring the employee.
These are just a few of the problems accompanying Occupational Disease Cases.
On the job injury claims are usually associated with a definite date, time, and place; with medical recovery and return to work the expected outcome. The majority of these claims can be adequately measured for expected cost and should follow a consistent protocol of injury response: claim investigation, medical management, return to work, etc. Litigation is usually a small percentage of claims.
Experience and premium ratings are easily determined since most injury losses are measurable.
Occupational Disease Factors:
There are occupations where employees can be exposed diseases contracted on the job, where the outcome is not as clear cut. Medical, Police, and Fire Professionals can easily come in contact with many foreign elements on the job. Drug manufactures or users, forensic laboratories, and chemical manufacturers are more places where employees can be exposed to situations not common to the public at large. Jobs exposed to high noise levels, repetitive motion, vibrations, and airborne particles can also be expected to develop occupational diseases and disabilities. Continue reading Occupational Disease Claims Can Spike Work Comp Costs Without Warning