Workers Compensation - Washington

Tara Reck, Managing L&I Attorney at Reck Law PLLC - Workers' Compensation Attorneys

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L&I Claim Court Decision Prompts Changes to the Stay at Work Program in Washington State

The Stay at Work (WA-SAW) program in Washington State is an incentive program for employers.  The Department of Labor and Industries (L&I) offers this program to help employers save costs. Specifically, the program allows employers to apply for cost reimbursement after a worker or an employee suffers an injury at work. To get reimbursements, the employer must provide temporary light-duty job to workers while they heal from their work injury.

 

What is the L&I Stay at Work program?

In short, the WA-SAW program helps employers avoid compensable claims. From my perspective, it’s designed purely to offer cost-saving measures to employers. However, it’s a short-sighted program. Practically speaking, it ignores several real-life challenges for work injury claimants. Furthermore, it often causes more long-term harm than good.

 

In my opinion, one important issue is that L&I exercises very little oversight of employers that take advantage of WA-SAW.  Upon returning to work, many work injury clients face hostile work environments and excessive work performance criticism. Many work injury victims report difficulty maintaining treatment schedules resulting in progress setbacks. Yet, these issues are largely overlooked. In fact, work injury claimants are usually blamed and frequently penalized for various issues that arise. For example, when the employer blames the worker after a light duty job is not working out. This situation can result in termination of time loss compensation benefits.

 

Making the program more fair for people with workers’ compensation claim

L&I recently announced changes to the WA-SAW program following a Court of Appeals decision. Previously, employers could ask for reimbursement back to the date they sent a light duty job description to the L&I claim doctor for consideration.  The Court of Appeals ruled this was not appropriate.  Now, employers can only ask for reimbursement as of the date the attending provider approves the light-duty job.

 

Personally, I believe this is a step in the right direction. However, it does not go far enough. In order for employers to be eligible for WA-SAW incentives, the work injury claimant must be: (a) Limited and unable to perform their regular job due to claim related conditions, and (b) Medically released to perform light-duty work by the attending physician.  Both the light duty job description and the attending provider approval must be in writing.

 

Personal perspective

When done the right way and for the right reasons, the WA-SAW program can benefit employers and workers alike. But, from my standpoint, I often see cases where the employer wants to take advantage of WA-SAW by making a light duty job offer. Frequently, employers fail to follow the steps that they need to take, which are necessary to make the offer valid.

 

The decision by the Court of Appeals is a good step. It helps ensure that employers that follow the rules and provide appropriate job offers enjoy the WA-SAW benefits. Nonetheless, the program still needs a more worker-centric overhaul to make it fair and maximally beneficial to all parties.

 

L&I Claim Closed – How to Reopen a Workers’ Compensation Claim in Washington State?

If the Department of Labor and Industries (L&I) closes your L&I claim or workers’ compensation claim, then you might be able to reopen it. However, if your L&I claim closed, it’s important to note that L&I doesn’t automatically reopen claims. In fact, your case must meet certain criteria to reopen an L&I claim. Yet, many work injury claimants get discouraged and give up instead of trying to apply to reopen their workers’ compensation claim.

 

My L&I claim closed – Now what?

In fact, some medical providers believe that L&I does not reopen claims. Other treating professionals think that the reopening process is too difficult. This is simply not true. It’s important for both people with a work injury claim, and for medical providers, to fully understand the reopening process and requirements.

 

In claims for physical work injuries, to reopen a workers’ compensation claim, you must show that certain conditions objectively worsened between terminal dates. If you want to determine whether these criteria are met, you must first understand some workers’ compensation concepts. These three basic concepts are: (1) Terminal dates; (2) Causal relationship of conditions; and (3) Objective worsening.

 

Terminal dates in a workers’ compensation claim

When you file an application to reopen an L&I claim, the term “Terminal dates” refers to two important dates. The first terminal date is when L&I closed your claim most recently. The second date is when L&I denied the most recent reopening application. Take the most recent date of the two. We denote this terminal date as T1. Next, the second terminal date (which we call T2) is the date when you filed the most recent application to reopen your workers’ compensation claim.

 

Causal relationship in L&I claim

We say that conditions are “causally-related” if the industrial injury or occupational disease is the proximate cause of said conditions. Here, proximate cause means a cause that, in a direct sequence, produces the condition. The law acknowledges that there may be more than one proximate cause. Therefore, the industrial injury or occupational disease must be one of the causes of the condition.  Said differently, it doesn’t need to be the only cause. Furthermore, a condition can also relate in a causal manner if the industrial injury or occupational disease aggravated it or worsened it.

 

Causal relationship requires medical reasoning. Here, you must obtain a written medical opinion to show that the work injury or work illness caused the condition. In other words, you must find a doctor or a competent medical expert to say there is a causal connection and explain why. Remember, reopening requires worsening of causally related conditions. Hence, we must first identify the condition and the causal relationship.

 

L&I sometimes reopens claims for worsening of a condition. For instance, if doctors did not diagnose or relate a condition to the claim before claim closure. If the medical evidence supports that the condition relates to your work injury, or that the condition worsened and requires treatment, then L&I will reopen the claim.

 

Objective worsening in work injury claim

If you have a workers’ compensation claim, then L&I considers anything that you say as subjective. For example, saying that you are experiencing pain increase is subjective. It’s insufficient for claim reopening purposes. Alternatively, objective findings are ones that a medical provider can see, feel, or measure. To reopen a claim, a medical provider must show that the causally related conditions got worse between the two terminal dates. Additionally, these conditions must require treatment, or increase your disability level.

 

Here is an example. Say that you were hurt at work and your work injury caused a herniated disc. The doctors can clearly see the disk herniation on MRI.  Practically speaking, the doctors can measure the actual size of the herniation.  Based on the initial size, they determine that the disc is not impacting the nerves. Therefore, you do not need surgery and your treatment concludes.

 

Next, the claim is closed.  Over time, the herniation gets worse and causes additional symptoms.  Doctors get a new MRI where they see that the herniation is bigger.  Now, the disc is impacting the nerves and needs surgery. Right then, you should file an L&I reopening application, and L&I should grant it. Moreover, if reopening occurs within 7 years of the initial claim closure, you may receive additional monetary benefits such as time-loss compensation and increased PPD.

 

Final remarks

If you want to reopen an L&I claim or a workers’ compensation claim in Washington State, you have to understand some basic terms. However, it’s not difficult to learn and understand them. It’s also not difficult to reopen your claim. If the conditions that relate to your claim objectively worsened, then you should apply to reopen your claim. Furthermore, with objective worsening, there is no reason for L&I to deny your claim reopening application.

 

L&I Covid-19 Premium Deferral Program and the L&I Accident Fund

The Department of Labor and Industries (L&I) administers workers’ compensation benefits in Washington State. These include financial benefits such as time-loss compensation, loss of earning power, work injury pension, and more. Payments come from the L&I accident fund. Furthermore, benefits include medical treatment, evaluation, vocational services and retraining, and others. Also, self-insured employers administer their claims according to the requirements of the Industrial Insurance Act.

 

L&I premium payments for employers and employees

A few weeks ago I posted an article  about the health of the L&I Accident Fund.  There, I discussed how historic rebates depleted the fund and led to significant premium hikes. However, these last few months, COVID-19 impacted our economy greatly. Therefore, we must be especially careful to maintain the health of the L&I Accident Fund.

 

Typically, employers pay their L&I insurance premium on a quarterly basis. L&I premium payments for the second quarter of 2020 are due July 31st, 2020.  However, according to a recent L&I news bulletin, employers that experience financial hardship and cannot pay their workers’ compensation premiums can request a 90-day payment deferment. Under this relief package, L&I will give employers until November 2nd, 2020 to pay those premiums for the second quarter of 2020. These premiums cover the months of April, May, and June of 2020. Interestingly, this is the second premium extension this year. Recall, L&I already extended the premium deadline for the first quarter of 2020 to July 31st, 2020.

 

Why is L&I extending the premium payment period?

In extending these premium payment deadlines, L&I acknowledges that the Corona-Virus pandemic continues to impact employers financially. As a result, employers may either request a 90-day extension for payment or a 90-day payment plan. Regardless of the request, L&I will not penalize employers. Furthermore, late payments will not incur interest charges as long as employers pay the premiums within the 90-day extension period.

 

However, it’s important to note that employers are not automatically eligible for the premium-payment extension program. If granted, employers must still file quarterly reports on time by July 31st, 2020.  Here, to take advantage of the program, employers must contact the L&I Collections, Education and Outreach Unit and apply. You can reach this unit via email at dialercollections@lni.wa.gov or by calling 1-800-301-1826.

 

The impact of the extension on the L&I Accident Fund

The 90-day deferment option seems like a reasonable way for L&I to help employers. After all, many employers are experiencing significant financial impact due to COVID-19. Moreover, L&I’s actions will help maintain sufficient level of funding for the L&I Accident Fund. And yet, it’s critical that we monitor the financial health of the fund. The L&I Accident Fund is the safety net for work injury victims. Despite the economic impacts of the pandemic, we must ensure that the Accident Fund remains stable and intact.

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