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Workers who have problems with their insurers can discuss the matter with workmans compensation lawyers and find out the available remedies. Every employer who is not a self insurer is required to have an insurance policy that covers occupational injuries which his employees may sustain. The insurer or the Scheme Agent must be immediately notified of the injury by the employer when such an injury occurs. Once the claims process commences, the insurer will has various legal obligations towards the employer as well as the worker. For instance, the New South Wales law requires that the insurer or the Scheme Agent must make sure that the worker receives necessary treatments after sustaining a work related injury by contacting the worker, the employer as well as other parties such as the treating doctor. The insurer has a duty to provide information regarding the claims process where necessary. The worker can apply for weekly payments up to a maximum of twelve weeks, and the insurer is required to provide this unless there is a reasonable excuse for not doing that. The insurer must make his decision whether or not to provide weekly payments within seven days. The worker can also get provisional medical expenses up to $75000. The insurer, who agrees to make such provisional payments, must inform the worker as well as the employer in writing the amounts and time periods of such payments. The insurer can decide whether the insurer or the employer should pay the worker, and the decision must be informed to the other parties. If the insurer decides to refuse the worker’s claim the worker must be provided with a written explanation of the decision along with the all relevant reports, documents as well as the contact details of the Workers Compensation Commission. The insurer is also expected to participate in developing an injury management plan for the worker and to assist in the worker’s returning to work. If a worker feels that his claim has been unjustly or unreasonably turned down or the insurer has failed to meet his legal obligations, the worker must discuss the matter with workmans compensation lawyers to find out the remedies which may be available to him.
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