10 Standards

10 Standards of QCARE

These 10 Designation Standards emphasize legal compliance, fairness in benefit delivery, insurance protections, and professional claims administration:

1. Awareness of Negligence Liability Exposure

• More incentive for workplace safety and employee care
• Manageable and insurable for most employers

2. Compliance with State Law Employee Notices and Filings

• By all designated legal entities
• Like forms DWC-5 and DWC-7

3. Defined Injury Benefits

• Medical, wage replacement, death and dismemberment
i. Specific benefit levels in insurance policies and benefit plans
ii. Considers defense litigation strategy on negligence liability claims

4. Fair, Well-Communicated Injury Reporting Standards

• Specified timeframe
• Communicated to employees
• Triggered by knowledge
• Good cause exception
• Administered by fiduciary

5. Broadly Defined Covered Injuries

• Accidents, occupational disease and cumulative trauma

6. Benefits Paid Without Regard to Fault

• Of the employee, employer or a third party

7. Employer Pays 100% of Cost from Date of Hire

• No co-pays, deductibles, co-insurance, payroll deduction or other contribution for employees to participate

8. Compliance with ERISA federal employee benefit laws

• Widely-utilized and accepted in other employer-sponsored benefit plans
• Reporting, communication, fiduciary obligation and claim payment consistency

9. Broad Insurance Coverage

• For benefits, employer liability and expenses

10. Approved Claims Administration

• Insurer, licensed TPA, or adjusters approved by insurer

Detailed standards can be found here.