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

2. 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

3. 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

4. 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

5. 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

6. Late Reported Claims Examples Jennifer Prewitt – Claims Supervisor CorVel Corporation

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

8. 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 , 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.

9. 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 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.

10. 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.