Self Insured Employers

L&I CLAIMS

L&I claims 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 INSURANCE 

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 such as, Sedgwick, Gallagher Bassett, Pinnacle Risk Management, Eberle Vivian or Matrix. 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

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 and if you don’t complain then they get away with unfair claims management. Your self insured employer may be fair, or they may be taking unfair advantage of you. 

WHAT YOU CAN DO

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 claims manager. Ask 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, it is the job of the L&I self insurance section to help you if you are being unfairly treated.

• 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 

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

•Contact the Ombudsman. They are there to help you with unreasonable actions by Self Insured employers. 

– Call 888-317-0493

– Online  Office of the Ombudsman for Injured Workers of Self Insured Businesses. 

– 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 audit of their compliance with self insured employer requirements.  

WHAT’S NEXT

• L&I Benefits
• Claims Suppression
• Know Your Rights
• Contact us