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Will Insurance Cover Chiropractic Services?

If you’re in need of chiropractic services, one of your first major questions may be about payment. Will you have to cover all of your chiropractic visits yourself, or does your insurance policy cover some or all of the costs? Of course, it’s hard to give specific information about chiropractic coverage because each insurance policy is a little different, but overall, at least some of the cost of your chiropractic services should be covered.31

Why Does Coverage Vary?

Every insurance policy treats surgeries, hospital stays, prescriptions, and other medical costs differently, and chiropractic services are no different. However, they are often under a little more scrutiny because some insurance policies consider them to fall under the umbrella of Complementary and Alternative Medicine. CAM coverage can differ wildly from policy to policy. Some may not want to cover it at all, while other policies may fully pay for your visits to the chiropractor.

To determine how much your insurance will pay, you’ll need to either work with your chiropractor’s office or contact your insurance company directly. In addition to insurance, programs such as Medicare and Medicaid may also cover some or all of the costs of visiting a chiropractor.

Other Coverage

In addition to insurance and Medicare/Medicaid coverage, there are a number of other programs that will pay for some or all of your chiropractic services. Those who are in the military can receive chiropractic care at a number of different military bases, while veterans can make use of the chiropractic services offered at many VA medical facilities.

For those who are injured at work, workers’ compensation programs cover chiropractic care. While this once varied from state to state, today, all 50 states include chiropractic services in their worker’s comp laws.

In addition to receiving coverage for your chiropractic services, the IRS also allows you to deduct this expense as a medical deduction. This means even if you do have to pay some of your chiropractic costs, you may be able to lower your tax bill by including the cost as an itemized deduction.

Need a Chiropractor?

If you’re in need of chiropractic services in New York, Maximum Orthopedics is here to help. Contact us today to schedule an appointment.

  • Posted on: Oct 31 2018
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Do I Qualify for Permanent Disability?

If you’re in an accident, the worst-case scenario for many people is to be so injured that they can no longer work or even handle many of the day-to-day aspects of living. If you’ve been injured and have been told that you will be permanently disabled, you may next be shocked to find your disability application denied. Unfortunately, it can be possible to be disabled in an auto accident or other type of incident and be denied, all because you don’t meet one of the following conditions of being permanently disabled.

The Social Security Administration’s Requirements

According to the Social Security Administration (SSA), it’s not enough to simply have your doctor state that you are disabled and back it up with medical proof. First, you have to actually have a certain number of working credits. This means you have to have worked enough to qualify for disability. If you’ve been working for years, that shouldn’t be a problem. If you’re a young person who becomes disabled, however, you may not qualify for SSA disability.

Medical Qualifications

In addition to your work history, you also have to have a condition that is on the SSA’s official list of impairments. If your condition is not on the list, it doesn’t mean you’re automatically disqualified. Instead, the SSA will have to assess your condition and how much it limits your abilities. This means more paperwork, and it’s going to take longer to process your application.

Another qualification is that your condition has to be classified as “severe” and must last for at least another 12 months or result in death. Partial disability or short-term disability does not qualify.

Work Qualifications

Finally, there are two different work qualifications you have to meet. First, your condition has to prevent you from working the job you previously held before you were injured. If it’s determined that you can still do that job or a job in your particular field, you may be denied.

Another work-related qualification is the ability to work at all. If the SSA determines that you simply cannot do any work in any job, you will qualify for disability. They do look at more than your medical condition here. Your age, education, work experience, education, and skills will all factor into this assessment.

Are You Injured?

If you’ve been injured and are seeking medical aid in determining if you are disabled or not, the team at Maximum Orthopedics can help. Contact us today for more information.

  • Posted on: Oct 18 2018
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What Makes a Valid Workers’ Comp Claim?

Filing a worker’s comp claim is fairly standard if you’ve been injured on the job, but your claim may be denied if it’s found to be invalid. Sometimes a claim is determined to be invalid, not because it truly is but because the employee failed to include all of the right paperwork and other information. While the denial may be able to be appealed, that does mean you have to go longer without any form of compensation. This can make things financially difficult, so it’s always best to make certain your claim is fully valid when you file it. Here are the things you’ll need to make a valid worker’s comp claim.

You Reported the Incident to Your Employer

You need to report any accident, especially one where you or someone else was injured, to your employer as soon as possible. If you don’t make a report, your claim may not be valid. Reporting an accident several days, weeks, or even months later may also invalidate your claim.

Your Employer Must Have Workers’ Comp Insurance

In most cases, this isn’t an issue. However, some businesses may have tried to avoid paying for workers’ comp insurance or may have put off getting it. For example, if you’re the first employee to be hired by an LLC or sole proprietorship, the business may not have been required to have worker’s comp insurance. The owner may not have purchased a policy yet, which means you wouldn’t be covered.

You’re Classified as an Employee

Another issue you may face that could invalidate your claim is if you’re not technically classified as an employee. If you’re a consultant, contractor, or a freelancer, for example, you may not be covered by a workers’ comp policy regardless of where the accident occurred. However, some policies do cover contractors. It depends on the policy, the state regulations, and, at times, the decision of the court.

You Can Prove Your Injury or Illness Is a Direct Result of Your Work

This can be easy or difficult to prove. It all depends on the nature of your injury. For example, if a large box fell on you while working in a warehouse, it’s a fairly obvious workers’ comp case. If you developed a hernia and first had it diagnosed on the weekend, it’s not as clear. Your work could easily have caused it, but so could one of your hobbies.

The experts here at Maximum Orthopedics can assist you with determining the validity of your workers’ comp claims. Contact us today to discuss your case.

  • Posted on: Sep 25 2018
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Is There Any Reason to Not File a Workers’ Comp Claim?

If you’ve been injured while on the job, you can file a workers’ compensation claim to cover your medical bills and other expenses incurred while you’re recovering. Most employees do file one of these claims, especially if the injury is easy to prove or if they’re going to be unable to work for months. But is there any reason why you might decide against filing a workers’ comp claim? There are actually a few different reasons you might.

Your Employer May Not Have Workers’ Comp Insurance

It is actually possible that your employer isn’t required to carry workers’ comp insurance or that you’re simply not eligible for worker’s comp. For example, if you’re a partner or the sole owner of the business, you’re not covered by your own workers’ comp insurance unless you’ve taken out a worker’s comp policy on yourself. Most business owners don’t think to do this, so they have no coverage. New York regulations state that if your business is a sole proprietorship or a partnership where everyone involved owns a piece of the business and there are no other employees of any type, volunteers, or subcontractors, the business doesn’t need to carry workers’ comp insurance.

You Can Get a More Compensation through a Lawsuit

In some cases, you may be able to receive more compensation by suing someone rather than by filing a worker’s comp case. For example, if you were injured in an automobile accident while traveling for work, you may be able to sue the driver who hit you. A construction worker may be able to sue a subcontractor for negligence rather than filing worker’s comp. It all depends on the situation you were in and the extent of your injuries.

In most cases, filing a worker’s comp claim is the right choice to make. These policies are designed to protect employees who are injured, and they’re set up to make certain you have the means to cover all of your debts while you recover from your accident. If you want to learn more about workers’ comp benefits, the experts at Maximum Orthopedics can help. Contact us today with your questions.

  • Posted on: Sep 15 2018
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Can my Employer Retaliate if I File a Workers’ Comp Claim?

Some people are hesitant to file a workers’ compensation claim, even if they know their case is completely valid, because they’re afraid that their employer will retaliate against them. While this is certainly not something that should occur, it does. Many states do have laws that state employers may not retaliate in any way against workers, some states don’t. It can also sometimes be difficult to prove that your employer’s actions are a direct result of the workers’ comp claim you’ve filed.

What Does the Law Say?

Workers’ comp laws are not universal—each state has its own laws, and while some are very similar, some are fairly different. For example, many states do have laws that protect your job if you file a workers’ comp claim, but there are some where your employer could fire you. There is no federal law protecting employees who have filed workers’ comp claims.

What Are Protected Activities?

In order to show that you’re being retaliated against, you have to have engaged in a protected activity under your state’s workers’ comp laws. These protected activities, again, do differ from state to state. Most are fairly broad and offer protection to those who have filed a claim, alerted their employer that they are intending to file a claim, or have sustained some sort of injury while on the job. Some states do require you to file a formal document stating that you were injured, but many do not. Even in states that don’t necessarily require this documentation, it’s always a good idea to file the paperwork anyway. It helps back up your claim and creates a paper trail for the series of events surrounding your injury.

What Counts as Retaliation?

Retaliation can come in many forms and is often unique to your situation. Broad forms of retaliation from an employer include being demoted, having your responsibilities changed, lowering your pay, or bringing unwarranted disciplinary actions against you.

You should never let your employer or anyone else intimidate you into not filing a valid workers’ comp claim, especially if you were severely injured. Maximum Orthopedics is here to help you file these claims and receive the compensation you’re due. Contact us today to learn more about what filing a claim involves.

  • Posted on: Aug 30 2018
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What Can Orthopedic Physical Therapy Do for Me?

An orthopedic physical therapist is an expert in helping you regain your motor functions, range of motion, and normal healthy life after you’ve been injured or dealt with an illness that affects the joints, bones, tendons, ligaments, or muscles. These orthopedic issues require the assistance of someone who has the education and knowledge not only of physical therapy but also of orthopedics. They understand how the bones and tissues work together to provide motion, and they can help you overcome a wide range of different musculoskeletal conditions.

What Injuries Require Orthopedic Physical Therapy?

If you’ve had a fracture or have strained a muscle, you may be sent to an orthopedic physical therapist. They will help you recover from these issues by putting you through a number of different exercises designed to strengthen the injured part of the body and restore your full range of motion. One of these experts may also assist you if you’ve sprained a ligament or following an operation. Those who suffer from bursitis or tendonitis may also want to seek out the help of an orthopedic physical therapist.

Of course, dealing with pain is also something this type of physical therapist can assist you with. They will help you learn your limits and carefully move beyond them so that you don’t further hurt yourself or experience a great amount of pain when doing basic functions.

What Tools Do Orthopedic Physical Therapists Use?

Orthopedic physical therapy uses some of the same tools and techniques that standard physical therapy uses. These include applying heat and ice to the area and using electrical stimulation machines. They also have a number of different exercise tools to help you stretch and work out the area.

The main tool used in orthopedic physical therapy is exercise. Some of these exercises are done with different equipment, but often they simply include walking or making repetitive motions in order to regain strength and flexibility. This is especially true in the early stages of orthopedic PT when you’re still fairly weak and need to take it easy to avoid further injury.

Are you in need of orthopedic physical therapy? If so, Maximum Orthopedics is here to help. Contact us today to set up an appointment.

  • Posted on: Aug 15 2018
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Why Was My Worker’s Comp Claim Denied?

If your worker’s comp claim has been denied, you’re likely to be shocked and disheartened. Unfortunately, a number of these claims do come back denied. If your case was denied, it could be because of one of these very common reasons.

You Missed the Deadline

Worker’s comp cases must be filed in New York in a very timely manner. You only have two years from the date of the accident to file your claim. You need to inform your employer of the accident as soon as you can and do so in writing if at all possible. This creates a record showing that you informed your employer of the accident. You need to do this within 30 days. If you’ve missed these or any other deadlines involved in filing your worker’s comp claim, it may be denied simply because it was filed late.

Your Injury Doesn’t Fall Under Worker’s Comp Injuries in New York

Each state defines and limits worker’s comp cases in specific ways. It may be possible that New York doesn’t include your specific injury or cause of injury in its worker’s claim laws. If your injury wasn’t severe, for example, you may not qualify for worker’s comp. You will want to work with an expert medical professional to determine the extent of your injuries before you file your case.

Your Employer Disputed the Claim

Your employer may have disputed your claim, stating that you weren’t at work while you were injured or that your injury was due to a condition that occurred before you were hired. It can be difficult to fight this type of claim if you don’t have witnesses, video of the accident, or other proof. If your employer has disputed the claim, you can appeal, but you will certainly need to have as much evidence as you can possibly get. This includes medical reports, witness testimony, and any other proof you can submit that backs up your claim.

Working with the Right People

Your worker’s comp claim has a much higher chance of being approved if you partner with the right people. Maximum Orthopedics is one of New York’s top worker’s compensation professionals, and we’re here to help you file your claim and receive the compensation you deserve. Contact us today to learn more about how we can help you.

  • Posted on: Jul 17 2018
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Common Worker’s Comp Claim Mistakes

Making a mistake in filing your worker’s comp case can result in the entire claim being dismissed. It’s absolutely vital that you avoid as many mistakes as you can and that you have someone experienced with these claims read over your paperwork before you file it. Here are some of the most common mistakes you can make that can lead to your claim being dismissed.

You Miss a Deadline

Whether you didn’t report your injury timely or you filed the paperwork late, any missed deadline can result in a dismissed claim. Don’t wait to file reports or get the ball rolling on your claim. New York only gives you three years from the date of the accident, so don’t assume you have time to handle your injuries, go through physical therapy, rebuild your life, and then file your claim. It takes time to get everything together, so start as soon as you can.

You Don’t File Everything Needed

Another common mistake is leaving out a form, forgetting to file a witness testimony, or missing medical records. Make certain you’re submitting all of the paperwork you need.

You Didn’t Document the Injury

Some worker’s comp injuries occur in full view of a dozen other employees and witnesses. Others may occur when you’re the only person around. If that’s the case, it’s important you document what happened as soon as you can. Write down exactly what occurred and, if possible, take photos or videos when you’re able to. Never put your well being at risk in order to take these photos but do so as soon as you’re capable. You want to be able to show that something did occur. Report it to your supervisors, let other co-workers know what happens (for their safety as much as for your claim), and write down the chain of events that led to the accident. This way, you get down your experiences as soon as you can so you aren’t relying on memory later.

Get Help

Worker’s comp cases can be some of the most complicated legal procedures you’ll ever deal with. That’s why it’s important to work with professionals who understand the process and know what you need. Contact Maximum Orthopedics today for assistance in your worker’s comp case. These experts understand what you need and will help you avoid making mistakes when you file your claim.

  • Posted on: Jul 1 2018
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Common Work Injuries Covered by Worker’s Compensation

Workers’ compensation is an insurance system established to provide financial support and lifetime medical treatment to employees who have been injured on the job or off the job while performing a work-related task. It also benefits employers and protects them when their employees are injured.

What Types OF Common Injuries Are Covered?

For an employee, it is important to know what kind of injuries are common and will regularly be covered by workers’ compensation. This is because, it ensures that medical help will be provided by the employer when necessary. Though every work environment has its own different type of compensation, there are some common injuries covered by worker’s compensation. This article outlines some of the most common work injuries covered by worker’s compensation.

  1. Poisonous plants and animal bites are very common for people who work outdoors. As such, it becomes one of the most common type of injuries covered by worker’s compensation. It is especially common for people who work on farms and those who are a part of biological studies.
  2. Burns are another type of injury that are covered. Every business is prone to a fire attack, as such burns are often treatable by worker’s compensation. Next time you get burned on the job, be sure to make use of your compensation.
  3. Carpal Tunnel Syndrome is a common injury that largely affects people working on computers such as writers, accountants, and data entry clerks. It is usually resolved with a minor surgery that is commonly covered by worker’s compensation. Therefore, if your hand starts cramping up, just inform your employer and get it fixed as soon as possible.
  4. Drug and Blood-borne Risk Exposure/Needle-sticks is common is hospitals and testing facilities. As such, lab assistants and nurses often have the highest risk numbers. This is usually fixed easily, so it is commonly in the worker’s compensation.
  5. Fall injuries are common to both construction workers and firefighters, it therefore makes it a common injury covered by worker’s compensation. Falls can also occur in jobs working outside in rural areas, such as a tree-trimmer falling out of a tree or a forester falling off a cliff trail.

Visit our website today to find out more on injuries in the workplace and what to do about them. You can also sign up for our newsletter today for insights and more articles.

  • Posted on: Jun 29 2018
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Top Workplace Hazards

In order for productivity to increase and maximum output to be achieved, the work environment needs to be friendly and conducive for all employees. In order to achieve this status, all managers need to be aware of workplace hazards. While each working environment has its own potential hazards, there are those that occur more than often.

Common Workplace Hazards You Should Know About

  1. Chemicals

It is no surprise that chemicals are one of the most common workplace hazards. If you work with chemicals in the form of fumes, gases, liquids, solids, dust, vapors and corrosives you are at a greater risk of suffering a workplace injury. A potential hazard is transferring chemicals from one container to another. Even if employees feel comfortable around the chemicals and have worked with them for years, the containers must be labeled as required under the Hazcom standard. Even the smallest of spills can be consequential to the employees.

  1. Working at height

The Bureau of Labor Statistics data shows that falls to a lower level accounted for 14 percent of all fatalities in 2014, and OSHA standards related to scaffolding and ladders are regularly among the most frequently cited violations. Some employers may not know they have to provide fall protection, or the fall protection gear may not be worn properly or not hooked up to anything. This makes it one of the most common workplace hazards.

  1. Electrical hazards

People who work directly with electricity, including electricians and engineers, are at risk of injury; these include people who work with electrical equipment. During adverse weather, a person making a fix with power tools outdoors can sustain electrical injury, it therefore makes electricity one of the most dangerous hazards in the workplace. It is especially bad because it can cause death.

  1. Fire

No matter what business you are running, fire will always a workplace hazard; even the fire department is at risk of being on fire. This mostly happens because employees are unaware of where fire extinguishers are placed; also, they may lack knowledge on how to use them

To find out more about workplace hazards, visit our website and social media pages for more helpful information plus other articles.

  • Posted on: Jun 15 2018
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Will Insurance Cover Chiropractic Services?

If you’re in need of chiropractic services, one of your first major questions may be about payment. Will you have to cover all of your chiropractic visits yourself, or does your insurance policy cover some or all of the costs? Of course, it’s hard to give specific information about chiropractic coverage because each insurance policy ... read more
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Do I Qualify for Permanent Disability?

If you’re in an accident, the worst-case scenario for many people is to be so injured that they can no longer work or even handle many of the day-to-day aspects of living. If you’ve been injured and have been told that you will be permanently disabled, you may next be shocked to find your disability ... read more
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Filing a worker’s comp claim is fairly standard if you’ve been injured on the job, but your claim may be denied if it’s found to be invalid. Sometimes a claim is determined to be invalid, not because it truly is but because the employee failed to include all of the right paperwork and other information. ... read more
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