re: who pays when?

Author Subject: re: who pays when?
Sheila Posted At 21:13:38 06/02/2000
Who pays the first 3 days of injury when an employee is off? My understanding is that the employer does and should the employee be off after the 3 days then work comp "picks up" after this? What is the answer?
BobK Re: re: who pays when? (Currently 0 replies)
Posted At 14:15:23 06/03/2000

The 3 days is called a "waiting period." Some states have 4 day or even
7 day waiting periods. During tihs period no one pays for wage loss,
UNLESS the disability continues for more than a certain period
(usually 14 or 21 days, depending on the state.)

In other words, after 3 days the employer (insurance company)
begins compensating for lost wages. If the disability continues
past 14 days (or whichever) then the first 3 days is paid
retroactively. This provision is like the "deductable" part of
an automobile insurance policy.
MAC Re: re: who pays when? (Currently 0 replies)
Posted At 13:43:12 06/05/2000

In Oregon the "3day waiting period" starts when the worker leaves the job.
If the worker returns, after treatment, to the same shift, the waiting
period does not start. However, from the time the worker looses work, the
next three "calendar" days will be the "3day wait". Unless !! the worker
is off for more than 14 consecutive days, or is hospitalized within the
first time-frame. The "3day wait" applies only to the beginning of the
claim, not for aggravations.

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