The research paper should address the following topical areas:
1.) The statutory standard for an injury AND illness to be compensable (students should discuss injury and illness even if the state treats both the same);
2.) Explanation of the benefits offered to workers’ sustaining a compensable injury/illness;
a. Amount and method of calculating temporary total disability (“TTD”) benefits (or however the state refers to temporary total disability);
b. Duration of TTD Benefits;
c. Vocational rehabilitation benefits;
d. Permanent partial disability benefits;
e. Permanent total disability benefits; and
f. Death benefits to surviving spouses/estates.
3.) Explanation of the workers’ compensation claims process from the initiation of a claim through the appeals process;
4.) Whether the state is a monopolistic, competitive market, or mix;
5.) Whether the state calculates and administers its own experience rating system, relies on the NCCI, or has some hybrid;
6.) Any methods/practices/programs that employers can participate in to reduce premiums;
7.) How light/modified duty is managed by employers and whether employers may reduce compensation for workers on light/modified duty;
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