Timely WC Claim Reporting Jennifer Prewitt (Claims Supervisor) Patrick Cronin (District Manager) CorVel Corporation Megan Garrott (Senior Attorney) Mississippi Workers’ Compensation Commission

Report Claims Timely – ALL Claims Advocacy Approach to Claims Handling – CorVel and MSBA Investigation needs to be completed asap Documentation is key – Even Report Only claims need to be reported Cost reductions Litigation reductions Trust – Cooperation Duration reduction

Report Claims Timely – ALL Claims (continued) Red Flags Walking it off – Report it, nonetheless Documentation can help streamline the process at a later date Delayed follow-up, if initial (minor) claim not reported Delays in benefits distribution Delays in medical treatment Increased litigation

The Hartford Study on Late Claim Reporting 41,000 lost time claims reviewed Back injuries, CTS injuries and other nerve disorders (about 2/3rd of all workers’ compensation claims Reporting a back sprain/strain during the 1st week can save an average of 25% on medical and indemnity costs Lost costs for claims reported 1 week out – 8% higher than reported the same day Lost costs for claims reported 1 month out – 37% higher than reported the same day Employees who’s claims are report 3 months out – 50% likelihood of not returning to their job

MWCC Late Reporting Penalties Reporting of Claim – EDI - $100 per late report B-18 Form - $100 per late submission B-31 Form - $100 per late submission IT ADDS UP! 2017 for 2016 Claims – CorVel/Clients $8,500 in fines 2018 for 2017 Claims – CorVel/Clients $3,500 in fines Rebuttals

Late Reported Claims Examples Jennifer Prewitt – Claims Supervisor CorVel Corporation

Late Reporting Regulatory Impact Megan Garrott – Senior Attorney Mississippi Workers’ Compensation Commission

First Report of Injury Miss. Code Ann. §71-3-67 (1) Within ten (10) days after the fatal termination of any injury, the employer, if self-insured, or its carrier, shall file a report thereof with the commission on a form approved by the commission for this purpose. In the event of an injury which shall cause loss of time in excess of the waiting period prescribed in Section 71-3-11, a report thereof shall be filed with the commission by the employer or carrier, on a form approved by the commission for this purpose, within ten (10) days after the prescribed waiting period has been satisfied. Within ten (10) days after the employer or carrier knows, or reasonably should know, that an injury has resulted, or likely will result, in permanent disability or serious head or facial disfigurement, but which does not cause a loss of time in excess of the prescribed waiting period, a report thereof shall be filed with the commission on a form approved by the commission for this purpose.

Untimely Filing FROI Penalties Penalty Notices will go out in July of each year for the prior calendar year. Ex. July 2019 will be for penalties incurred January 2018 through December 2018. May dispute any penalty by replying to Notice from the Commission. Important to fully fill out all FROI as well as B-18s.

Effect of the FROI The filing of a FROI is not an admission of compensability in any way. No defenses are waived at the time of filing. “Waiting on medical” is not a defense to penalty. May file B-52 denial for investigation at the same time.