Determining Date Of Injury Very Important To E-Mod
The Date of Injury is found on first reports of injury and loss runs. It is the actual date of an employees injury. If the claim is a result of an occupational disease, it designates the date the employee became incapable of working due to the disease.
The Date of Injury can be very important to employers. This determination becomes even more critical as the employer’s policy expiration approaches.
For example – Let us say a policy runs from June 15th, 2010 to June 15th 2011. If an employee is injured near the policy inception or near the policy expiration, the employer’s E-Mod can be heavily affected. If the employer determines the employee was injured on June 14th, 2010, then the injury attaches to the June 15th, 2009 to June 15th, 2010 workers comp policy.
If the employer had a rash of injuries in the 2009 – 2010 policy period, adding in the aforementioned injury may increase the employer’s E-Mod for the next year and for at least two more policy years in the future.
I have been told the Mod system evens everything out. I usually do not agree in this case.
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