(a) An insurance carrier must notify the division and
the claimant of actions taken on or events occurring in a claim as
required by this title.
(b) The insurance carrier must electronically file,
as that term is used in §102.5(e) of this title (concerning General
Rules for Written Communications to and from the Division) with the
division, according to the requirements in Subchapter B of this title
(concerning Insurance Carrier Claim Electronic Data Interchange Reporting
to the Division):
(1) the information from the original Employer's First
Report of Injury; the insurance carrier's Federal Employer Identification
Number (FEIN); and the policy number, policy effective date, and policy
expiration date reported under §110.1 of this title (concerning
Insurance Carrier Requirements for Notifying the Division of Insurance
Coverage) for the employer associated with the claim, not later than
the seventh day after the later of:
(A) receipt of a required report where there is lost
time from work, an occupational disease, or a fatality; or
(B) notification of lost time if the employer made
the Employer's First Report of Injury before the employee experienced
absence from work as a result of the injury;
(2) information about an acquired claim no later than
the 37th day after the acquiring claim administrator has knowledge
of claim-specific information from the previous claim administrator;
(3) any correction of an electronic record accepted
with errors, as provided in §102.5(e) of this title (concerning
General Rules for Written Communications to and from the Division),
within 30 days of the notification from the division detailed in §124.104(b)
of this title (concerning Reporting Requirements);
(4) information about a compensable death with no beneficiary
no later than the 10th day after determining that an employee whose
injury resulted in death had no legal beneficiary; and
(5) a change in an electronic record initiated by the
insurance carrier, the coverage information required by paragraph
(1) of this subsection if not available when the First Report of Injury
was submitted to the division, and any change in a claimant or employer
mailing address within seven days of receiving the new address.
(c) The insurance carrier must notify the division
and the claimant of its denial of a claim based on noncompensability
or lack of coverage in accordance with this section and as otherwise
provided by this title.
(d) The insurance carrier must notify the division
and the claimant of the following:
(1) first payment of indemnity benefits on a claim
within 10 days of making the first payment;
(2) first payment of indemnity benefits on an acquired
claim within 10 days of making the first payment;
(3) a change in the net benefit payment amount without
a change to the benefit type within 10 days of making the first payment
reflecting the change;
(4) a change from one income benefit type to another
or to death benefits within 10 days of making the first payment reflecting
the change;
(5) resumption of payment of income or death benefits
within 10 days of making the first payment;
(6) termination or suspension of income or death benefits
within 10 days of making the last payment for the benefits;
(7) employer continuation of salary, as defined in §129.1(1)
(concerning Definitions for Temporary Income Benefits) of this title,
equal to or exceeding the employee's average weekly wage as defined
by this title within:
(A) seven days of receiving the information that salary
would be continued in lieu of the insurance carrier initiating temporary
income benefits;
(B) ten days of making the last payment of temporary
income benefits due to the employer's salary continuation; or
(C) ten days of resuming payment of the employer's
salary continuation;
(8) lump sum payment of income or death benefits within
10 days of making the payment; or
(9) refusal to pay accrued income benefits due to dispute
of disability.
(e) If an insurance carrier receives a written notice
of injury for a disease or illness identified by Texas Government
Code, Chapter 607, Subchapter B (relating to Diseases or Illnesses
Suffered by Firefighters, Peace Officers, and Emergency Medical Technicians),
the insurance carrier must take one of the following actions no later
than the 15th day after receiving the notice of injury:
(1) initiate benefits as required by the Texas Workers'
Compensation Act and the division's rules;
(2) file a notice of denial as described in this section;
or
(3) provide the claimant and the division with notice
as required under Labor Code §409.021(a-3) (Notice of Continuing
Investigation) for a claim for benefits received on or after June
10, 2019.
(f) When applying subsection (e) of this section and
Government Code, Chapter 607, Subchapter B, a "claim for benefits"
means the first written notice of injury as provided in §124.1
of this title (concerning Notice of Injury).
(g) The insurance carrier must issue a Notice of Continuing
Investigation as a plain language notice in the form and manner prescribed
by the division. The notification requirements of this section are
not considered complete until a copy of the notice provided to the
claimant is received by the division.
(1) A Notice of Continuing Investigation must include
the following:
(A) a statement describing all steps taken by the insurance
carrier to investigate the disease or illness before the notice was
given;
(B) a list of any claim-specific evidence, releases,
or documentation the insurance carrier reasonably believes is both
relevant and necessary to complete its investigation; and
(C) contact information for the adjuster, including
the adjuster's email address, fax number, and telephone number.
(2) An insurance carrier must provide a reasonable
amount of time for a claimant to respond to the notice.
(3) The notice may not include a request for additional
diagnostic testing, mental health records, generic requests (such
as "the claimant's medical records"), or requests for records that
are not directly related to either the disease or illness or eligibility
for application of a statutory presumption.
(4) Notwithstanding the issuance of a Notice of Continuing
Investigation, an insurance carrier must continue taking reasonable
steps to acquire claim-specific information necessary to complete
its investigation of the claim.
(h) Notification to the claimant as required by subsections
(c) - (e) of this section requires the insurance carrier to use plain
language notices in the form and manner prescribed by the division.
These notices must provide a full and complete statement describing
the insurance carrier's action and rationale. The statement must contain
sufficient claim-specific substantive information to enable the claimant
to understand the insurance carrier's position or action taken on
the claim. A generic statement that simply states the insurance carrier's
position with phrases such as "employee returned to work," "adjusted
for light duty," "liability is in question," "compensability in dispute,"
"under investigation," or other similar phrases with no further description
of the factual basis for the action taken does not satisfy the requirements
of this section.
(i) In addition to the denial notice requirements in
subsection (h), if the insurance carrier receives a written notice
of injury for a disease or illness identified by Texas Government
Code, Chapter 607, Subchapter B (relating to Diseases or Illnesses
Suffered by Firefighters, Peace Officers, and Emergency Medical Technicians),
the denial must also include the following:
(1) if the insurance carrier asserts that a statutory
presumption does not apply, a statement explaining why and describing
the claim-specific information that the insurance carrier reviewed;
(2) alternatively, based on its investigation, if the
insurance carrier concludes that a statutory presumption applies,
but a notice of denial will be issued, a statement explaining why
and describing the claim-specific information reviewed before issuing
the notice that supports a reasonable belief that risk factors, accidents,
hazards, or other causes not associated with their employment were
a substantial factor in bringing about the injured employee's disease
or illness, without which the disease or illness would not have occurred;
and
Cont'd... |