Workers Compensation Benefit Overview - Travelers Insurance

MEDICAL ISSUESInitial Choice of ProviderChange of ProviderMedical Fee ScheduleManaged CareUtilization ReviewTreatment GuidelinesGeneric Drug SubstitutionMedical Mileage Reimbursement RateAbility to Terminate Medical TreatmentSettlement AllowedCap on benefits, exceptionsInjured worker has choice of medical provider.Yes, with written approval of the Division.YesNot permitted.None.Yes, Knee, shoulder, spine, carpal tunnel, IDET, Impairment Rating, PainManagement, Narcotic Management, Joint Revision, CT scan, Chiropractic,Physical TherapyThe state mandates generic substitution.55.5 cents/mile-must be provided within one year of travel and distance must begreater than 10 miles.Yes, with an IME, which is binding. Injured worker can challenge IME findings athearing.Yes, see above.None.OTHER ISSUESStaff CounselHearings require attorney or claimhandler participationOccupational DiseasesSecond Injury Fund availabilityOther Offset OpportunitiesEDIIn-State Adjusting RequiredLicense or Certification RequiredSTATE WC WEBSITE LINKNone.Yes, attorneys are required. Claim handlers do not have to be present. Disputesare handled in civil court.Yes.NoApportionment is permitted.NoNo, but if adjusted out-of-state, a license (by exam) is required. Reciprocitygranted if adjuster is licensed in another state (other than OH & NV)See above.http://wydoe.state.wy.usThe Travelers Indemnity Companyand its property casualty affiliatesOne Tower SquareHartford, CT 06183This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not arepresentation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the factsand circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coveragereferenced in this document can depend on underwriting qualifications and state regulations.Claim Services 2 of 2 CE- 10173 Rev. 10/12© 2012 The Travelers Indemnity Company