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Creativity Motivation – What is motivation – Corey K Katir
Advertising From http://www.creativitymotivation.com Describes motivation process for creativity with emphasis on intrinsic motivation by Corey K Katir Should I Agree to the Insurer’s Rating Doctor?
From feeds.lexblog
If your treating physician on your accepted workers’ compensation claim in Nevada reports to your claims adjuster that you may have a ratable impairment, you should be scheduled for an impairment evaluation 30 days later. This evaluation, also called a rating, will be done by one of the 138 doctors and chiropractors who have been tested and authorized by the state agency, DIR, to perform ratings. Thepurpose of therating evaluation is to determineyour percentage of impairment so that a permanent partial disability award can be offered. (The additional two factors that determine a PPD award in Nevada are the injured worker’s average monthly wage at the time of the injury, and the injured worker’s age when he or she has the evaluation.)
As of March 1, 2012, the Medical Unit at DIR has138physicians and chiropractors on a rotating list.When a claims adjuster requests a rating, the Medical Unit secretary must assign the next onefrom therotatinglist. If the injury is to a muskuloskeletal part, such as the shoulder or neck, a chiropractormay be assignedto do the rating.Some of the chiropractors on the rotating list are excellent rating doctors- fair, knowledgeable about the Guides and anatomy, and they correctly explain their findings and conclusions.
Nevada law allows adjusters to suggest and agree with injured workers on a particular rating doctor. If the injured worker, or his attorney, agree to a doctor suggested by the adjuster, the agreed-upon doctor can do it instead of the doctor assigned by DIR. Some adjusters will send unrepresented injured workers a list with the names of about six doctors and ask whether the injured worker will send back an agreement to one. If the agreement isn’t returned, the adjuster must use a DIR-assigned doctor from the rotating list. You don’t lose your right to obtain a second rating if you disagree with the rating physician you agreed to rate you.
An injured worker asks me: Should an injured worker agree to a rating doctor suggested by the insurer, or insist that the insurer schedule him with one of the 138 doctors on the rotating list?
The answer depends on whether the injured worker has an experienced attorney. Otherwise, it is likely that the injured worker will not be knowledgeable about each of thedoctors on the insurer’s short list .If the injured worker, or his attorney, doesn’t know anything about the doctors, he should NOTagree.The insurer willlikely suggest doctors that find lower or average impairment percentages, or that are aggressive on apportionment and like to subtract percentage points for pre-existing conditions.Despite the objective of the AMAGuides to Evaluation of Permanent Impairment to have rating methods that will easily duplicate results, therecan be a significant difference depending on which doctor is doing the exam.
If the injured worker has a lawyer , he should hope that his attorney is familiar with how each of the different rating doctors are likely to apply the Guides. Sometimes attorneys for injured workers agree to a rating exam with a doctor suggestedby the insurer. Not all doctors suggested by insurers are necessarily a bad choice to rate a particular client. The key is knowing how a particular rating doctor is likely to interpret the Guides. That comes with experience.
There are injured workers, not knowing whether a suggested rating doctor is likely to be better than one assigned from the rotating list, will circle aname anyway and return theagreement People who do that hope thatthe adjuster will act in the injured worker’s best interests. The reality is thatinsurer’s and their employees must act so that theycan show a cost savings on claims to employers concerned with premiums. Injured workers shouldunderstand that adjusters may be acting within the bounds of the law, but not be acting within the injuredworker’sbest interests.Therefore, my answer to the question is a resounding “NO”. Do not make agreements with insurers without knowing the consequences of what you are doing.
Should I Agree to the Insurer’s Rating Doctor?
From feeds.lexblog
If your treating physician on your accepted workers’ compensation claim in Nevada reports to your claims adjuster that you may have a ratable impairment, you should be scheduled for an impairment evaluation 30 days later. This evaluation, also called a rating, will be done by one of the 138 doctors and chiropractors who have been tested and authorized by the state agency, DIR, to perform ratings. Thepurpose of therating evaluation is to determineyour percentage of impairment so that a permanent partial disability award can be offered. (The additional two factors that determine a PPD award in Nevada are the injured worker’s average monthly wage at the time of the injury, and the injured worker’s age when he or she has the evaluation.)
As of March 1, 2012, the Medical Unit at DIR has138physicians and chiropractors on a rotating list.When a claims adjuster requests a rating, the Medical Unit secretary must assign the next onefrom therotatinglist. If the injury is to a muskuloskeletal part, such as the shoulder or neck, a chiropractormay be assignedto do the rating.Some of the chiropractors on the rotating list are excellent rating doctors- fair, knowledgeable about the Guides and anatomy, and they correctly explain their findings and conclusions.
Nevada law allows adjusters to suggest and agree with injured workers on a particular rating doctor. If the injured worker, or his attorney, agree to a doctor suggested by the adjuster, the agreed-upon doctor can do it instead of the doctor assigned by DIR. Some adjusters will send unrepresented injured workers a list with the names of about six doctors and ask whether the injured worker will send back an agreement to one. If the agreement isn’t returned, the adjuster must use a DIR-assigned doctor from the rotating list. You don’t lose your right to obtain a second rating if you disagree with the rating physician you agreed to rate you.
An injured worker asks me: Should an injured worker agree to a rating doctor suggested by the insurer, or insist that the insurer schedule him with one of the 138 doctors on the rotating list?
The answer depends on whether the injured worker has an experienced attorney. Otherwise, it is likely that the injured worker will not be knowledgeable about each of thedoctors on the insurer’s short list .If the injured worker, or his attorney, doesn’t know anything about the doctors, he should NOTagree.The insurer willlikely suggest doctors that find lower or average impairment percentages, or that are aggressive on apportionment and like to subtract percentage points for pre-existing conditions.Despite the objective of the AMAGuides to Evaluation of Permanent Impairment to have rating methods that will easily duplicate results, therecan be a significant difference depending on which doctor is doing the exam.
If the injured worker has a lawyer , he should hope that his attorney is familiar with how each of the different rating doctors are likely to apply the Guides. Sometimes attorneys for injured workers agree to a rating exam with a doctor suggestedby the insurer. Not all doctors suggested by insurers are necessarily a bad choice to rate a particular client. The key is knowing how a particular rating doctor is likely to interpret the Guides. That comes with experience.
There are injured workers, not knowing whether a suggested rating doctor is likely to be better than one assigned from the rotating list, will circle aname anyway and return theagreement People who do that hope thatthe adjuster will act in the injured worker’s best interests. The reality is thatinsurer’s and their employees must act so that theycan show a cost savings on claims to employers concerned with premiums. Injured workers shouldunderstand that adjusters may be acting within the bounds of the law, but not be acting within the injuredworker’sbest interests.Therefore, my answer to the question is a resounding “NO”. Do not make agreements with insurers without knowing the consequences of what you are doing.
Help! I freaked about incident and filed a home insurance claim. What should I do?
From feedproxy.google Rating: -16 Posted By: Freaked112 Long story short, my fiberglass? bathtub cracked when full of water. Not sure why. Water leaked underneath and through kitchen ceiling below. After consulting some people, most told me to file an insurance claim without actually seeing it. When I called in to get advice, I was pigeonholed into filing a claim. I freaked out and did so. My deductible is $500. After doing due diligence in trying to dry out the ceiling, as of the next day, the damage does not look too bad and am worried now I ruined my claim-free record for nothing. It will need re-painted of course and maybe some spackle. I read that even at this point, it’s already on the record — even if we don’t follow through and in this case, it could eventually be worse. What are my options when the claims adjuster calls? There’s still the issue of the bathtub crack which I read can be repaired, but I would feel better w/ a new one. What are the chances of them paying to replace this? Any advice? Personal Finance Deals
You can insert videos and sound into PDF documents!!!
From feeds.g2webmedia I was reading Ross KodnerasA blog and he described a CLE presentation he had seen where David Ferrell, an attorney, had shown a sample PDF demand letter that had video included in it. Hereas Rossas accolade: In a demand letter related to personal injuries suffered by a Chinese melamine-laced formula poison infant, the video that popped up [...]
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