Frequently asked questions
Do you need to report a first aid claim that involves the injured worker getting a bandage or aspirin from the first aid kit?
The WCIRB has advised that these types of medical costs do not need to be reported. In addition, costs associated with triaging of a worker’s injuries do not need to be reported.
If an employer contracts with a medical care provider for first aid treatment of injured workers, do these claims need to be reported?
If there is medical treatment rendered and costs incurred, Zurich is required to report the claim to the WCIRB. This includes injuries treated by established clinics as well as mobile or on-site services.
Will first aid claims be coded differently by Zurich?
No. Claims will continue to be coded as they have been in the past.
Are customers able to continue to pay their own billing for treated workers or is the treatment provider required to bill Zurich directly?
The customer can pay the bill and submit it to Zurich for reimbursement or have the provider submit the bill directly to Zurich.
How does this affect experience modification ratings?
The WCIRB implemented changes to the calculation of the California Experience modification effective Jan. 1, 2017. Any claims with incurred loss dollars will affect the calculated experience modification. An increase in an employer’s total incurred loss dollars could result in a higher experience modification.