Self Insured Employers in L&I Claims

L&I Claims are Either State Fund or Self Insured

• L&I claim administrative management come in two varieties. State Fund and Self Insured.
• State fund claims are managed by L&I.
• Self Insured claims are managed by the self insurer, with oversight by the L&I Self Insurance Section.
• In theory both types of claims should be handled the same. However it doesn’t work that way.

Self Insured Employers- May Not Be Fair

Employers with sufficient assets can self insure their L&I claims. These self insured employers  manage their L&I claims in house or with the help of a service company. Employers self insure to save money. One way they save money is by not paying it to injured workers. If you have a self insured claim and a serious injury, you are already at a disadvantage.

L&I Self Insured Section – Should be There To Help You

It is the job of L&I’s self insured section to oversee self insurers and make sure that they are following the law. However L&I is too busy to look at every self-insured decision. As a result self insured employers often do bad things knowing that L&I is not looking. If you don’t complain, protest or appeal, then they get away with their unfair claims management.

What You Can Do if the Self Insured is Unfair

Don’t put up with bad treatment from your claims manager.

If you don’t like how your self insured employer is handling your claim, you need to take action. Become involved, get vocal, do something! Don’t let your self insured employer push you around. Here is what you can do:

• Talk to your self insured claims manager. This is your employer’s HR department or a service company such as Sedgwick, Gallagher Bassett, Pinnacle Risk Management, Eberle Vivian, Penser North America or Matrix. Ask them for an explanation of what they are doing. Tell them what you think. If they are wrong then tell them so and ask for what you want.

• Communicate with the L&I Self Insured Section about your self insured employers behavior. This is L&I.  You have a claims manager at L&I, in the self insured section. It is the job of the L&I self insurance section to help you if you are being unfairly treated by your employer and their claims manager.

• Call them at 360-902-6901.  Encourage them to do their job and help you with your claim.

• Online: Report a Problem with a Self Insured Employer

•Penalty for delayed benefits If the Self Insured Employer unreasonably delays payment of benefits then you can write to L&I and request a penalty. Self Insured employers  are subject to a penalty, RCW 51.48.017. Make them pay you for unreasonable delay of your benefits.  Get legal help with this if you need it. Penalties to the Self Insured Employer 

• L&I Audit. If your self insured employer is completely despicable and has repeatedly denied your access to the benefits you deserve then you can also ask for an L&I audit of your employer’s compliance with self insured employer requirements.
• Talk with an L&I lawyer. If you want someone else to do the dirty work for you, talk to a lawyer. We eat self insureds for breakfast. L&I Lawyer.

Ombudsman for L&I Claims. Who are they?

Injured workers of Self Insured employers can seek help from the Office of the Ombudsman at anytime during their claim.  The Ombudsman can provide injured workers with many resources to address claims discrimination, claims suppression, unnecessary IME’s, delayed time loss payments and denied medical treatment.

Getting the Self Insured employer and their third party administrators to do the right thing is not easy.  The Ombudsman’s knows this and is there to help you. It is their job to get involved and to make Self Insured Employers do the right thing.

The Office of the Ombudsman needs to hear from you if you have problems when dealing with these large self insured employers.  They need you to report problems with the claims management companies hired by the employer so they can work directly with the employer and their third party claims administrators to resolve the issues delaying proper payment of benefits.

Sometimes a knowledgeable advocate is all you need to push the Self Insured Employer to do the right thing and authorize your benefits.  Through the ombudsman, self-insured workers have access to  knowledgeable and effective advocates who are able to work in partnership with self-insured personnel. The Ombudsman’s office is there to help you, the worker, receive appropriate benefits under the law.

The Ombudsman can be reached here, Office of the Ombudsman, or by calling 888-317-0493

Want More Information?

• L&I Claim Information for Injured Workers
• Claims Suppression
• How To Disagree With An L&I Decision
• (FAQ) Frequently Asked Questions About L&I Injuries with Helpful Answers

How to Contact Us:

Telephone – Call for information or a free strategy session – 206-343-1988

Email – Tell us Your Story – Ask your questions via email