Workers compensation is a complex law that governs workers' compensation benefits. This article intends to give you some basic information and guidance as to what is covered under workers comp for home health care providers in South Carolina. It does not intend to recommend a specific Workers Comp lawyer to help you with your case. The information is presented for information only. You should always consult an attorney licensed to practice law in the State of South Carolina.

What is covered under workers comp for home health care Providers? According to South Carolina law, there are three basic programs available to home health care providers. These programs are long-term benefit (LTC), short-term benefit (STHP) and residual income programs (RISP).

When is covered under workers comp for home health care Providers? The three programs are "long-term benefit" (LTC), "short-term benefit" (STHP) and "residual income programs." All workers comp for home health care Providers must participate in all three programs. If you do not participate in one or more of these programs, you will not be able to get workers comp for home health care benefits. If you are self-employed or work for an employer who is not providing insurance for their employees, you cannot be forced into workers comp.

Do I have to take my insurance company's offer of workers comp for home health care? No. You do not have to take the first offer from your employer or the company you work for. In addition, if you accept any offer you will have to complete an offer to participate in the program. If you accept a plan through your employer you will have to pay for it if you leave the job or your employer does not offer workers comp for home health care coverage.

Do I have to pay for COBRA? COBRA is an act that was made to fill in the gaps left by workers compensation laws. The purpose of COBRA is to ensure that you have continuous coverage even though you are no longer employed with the company you were working for.

How can I find better workers comp for home health care prices? There are several options. One is to find quotes for workers compensation plans through private insurance companies. Another is to find quotes for medical expenses through a work at home medical care company. Yet another way to save money is to enlist the help of a professional association that has information about medical care in your area.

How do I find out what other patients have to say about their care? You can check with local hospitals and medical societies, as well as related Web sites, such as Consumer Reports and The Mayo Clinic. Ask people who use the services for how their employers treated them. You might find that they have complaints or good stories about their care providers.

What do I do next? You should always contact your own employer to ask about workers comp for home health care providors. They can tell you the options offered through their own company or through a third-party company that offers the same benefits. You can also consider working with a worker's comp advocate group to get better rates on the premiums.

How much will premiums cost me? There are often differences in workers comp premiums charged by companies. You need to find out what exactly the premiums will be for the plan you want to purchase. If you have a pre-existing medical condition, the costs could be higher. If you have a family member who is in a wheelchair or has health problems, you may be eligible for more benefits than you realize. Consider talking with a workers comp advocate to determine exactly what you can qualify for and whether it will cost you more to purchase a home health care policy from one company or another.

Are there benefits I will be able to claim? A worker's comp for home health care plan typically offers coverage for prescription drugs, doctor visits, hospital stays, physiotherapy, hearing aids and eye care. Some policies cover dental and plastic surgeries, while others limit these services. Be sure to look over the benefits so that you understand exactly what is covered. Ask your workers comp advocate about what benefits are available for your situation and consider getting additional coverage just to be on the safe side.

Is it worth it to pay for home health care? Often times, workers comp for home health care is much cheaper to obtain than many other types of insurance because the expenses are borne directly by the providers. This means you can save hundreds even thousands of dollars and avoid paying premiums to an insurance company on a yearly basis. Look over all of your options thoroughly and decide if this is the best option for you and your family.