Workers’ Compensation Pharmacy in Vermont
Workplace injuries in Vermont can range from relatively minor cuts and bruises to life-altering damage such as traumatic brain injuries or amputated limbs. Injured workers may find themselves facing an unfamiliar workers’ compensation system, a challenging schedule of medical appointments and treatments, missed work and having to deal with their employer’s insurance company’s claims process — all while trying to recover from their injuries. One thing that should not be a struggle during this time is determining where and how to obtain prescription medications. AllianceMeds is a trusted Vermont workers’ compensation pharmacy.
We are here to help injured workers obtain their prescription medication quickly and easily.
Insurance companies sometimes imply that injured patients must use the insurer’s own medication delivery service. However, in Vermont, that is not the case; you have the right to pick your own pharmacy. AllianceMeds understands workers’ compensation laws and is committed to fighting for patients’ rights, standing up to insurers and advocating for injured workers.
AllianceMeds provides a variety of helpful services to injured Vermont workers. In addition to providing overnight medication delivery with no co-pays or other out-of-pocket costs for workers, AllianceMeds handles insurance-company claims and related forms. We address any denials and appeals directly with the insurer, so you can focus on taking care of yourself and recovering from your injuries. To learn more about what we do and how we can help, contact AllianceMeds or sign up with AllianceMeds today!
Common Industries for and Types of Vermont Workplace Injuries
It does not matter what your job is or in what industry you work; workplace injuries or illnesses can arise anywhere. In Vermont, workers in certain industries tend to file for workers’ compensation claims at higher rates than workers in other industries.
The top industries for claims based on incidence rates each year in Vermont tend to include arts, entertainment and recreation; educational services; transportation and warehousing; health care and social assistance; and information. The industries with fewer reported Vermont workplace injury claims generally include accommodation and food service; utilities; public administration; and real estate rental and leasing.
The types of injuries workers suffer range from the relatively minor to severe, debilitating injuries. The most common types of work-related injuries in Vermont typically include the following:
- Sprains and strains to ankles, wrists or elbows
- Torn ligaments or tendons
- Overuse/repetitive motion injuries
- Shoulder injuries
- Knee injuries
- Back and neck injuries
- Spinal cord injuries
- Injuries related to slipping and falling at work
- Equipment-related injuries
- Burns and scars
- Broken bones
- Crushed and mangled limbs
- Limb amputations
- Traumatic brain injuries
- Exposure to toxic chemicals (one-time or long-term)
Understanding Workers’ Compensation Laws in Vermont
In Vermont, as in other states, employers with at least one employee must participate in the state’s workers’ compensation program. Unless an employer qualifies to self-insure workers’ compensation claims or otherwise falls under an exception to the rule, the employer must purchase workers’ compensation coverage. Vermont businesses can choose from a variety of insurance carriers to comply with this law.
This insurance protection is designed to protect employees from personal responsibility for costs related to workplace injuries. It also serves to protect Vermont employers, who would otherwise have to pay out-of-pocket for their workers’ medical expenses and other related costs. Failing to purchase or maintain workers’ compensation insurance can be a costly mistake; employers may be liable for civil penalties of $100/day for the first seven days and $150/day for each day that follows. In addition, a Vermont employer without adequate workers’ compensation insurance may find itself facing lawsuits from injured workers demanding payment of expenses related to their workplace injuries.
After receiving notification that an employee suffered a work-related injury or illness, employers must report the matter to their insurance carrier and to the Vermont Department of Labor. This obligation applies to any injury or illness requiring medical attention or which results in at least one lost day of work.
At AllianceMeds, we understand that becoming injured in the course of your employment may have left you with a lot of questions. As a trusted Vermont workers’ comp pharmacy, we are here to make sure you receive the prescriptions your doctor ordered, without delay and without making you complete form upon form. We are committed to making the process of obtaining your medications related to your Vermont workers’ compensation claim as simple as possible. Services you can expect from us include:
- Free overnight delivery of your prescriptions in secure packaging, with tracking numbers
- No insurance co-pays or out-of-pocket expenses for your medications
- Easy-open, blister packs or childproof medication packaging
- All FDA-approved medication prescriptions filled, including Schedule II narcotics
- All types of prescriptions accepted by mail
- Prescriptions for Schedule II, III, IV and V class medications and non-scheduled class medications accepted electronically
- Proactive management of your prescription refills, so you never run out
When you select AllianceMeds as your medication delivery service, we make enrollment fast and simple. You will work with an experienced Vermont client service representative who will walk you through the registration process. This can be done over the phone, online, by mail or even by fax. AllianceMeds will:
- Work closely with you to obtain and confirm all necessary enrollment information
- Reach out to your doctor, so your prescriptions can be sent directly to the AllianceMeds online pharmacy
- Bill the insurance carrier and handle all the paperwork and claim forms
- Ship your medications to you overnight using UPS
- Monitor medication refill statuses for you, so you never run out of medication
- Keep your attorney informed (if applicable)
CONTACT YOUR WORKERS’ COMPENSATION HOME DELIVERY PHARMACY
Vermont workers injured in the course of their employment have the right to choose their own pharmacy provider. AllianceMeds is a trusted, reliable Vermont workers’ compensation pharmacy. We are committed to helping injured workers receive the medication they need, and to making the process as simple and straightforward as possible. If you were injured at work in Vermont, or were otherwise injured in the course of employment for a Vermont employer, contact us or sign up with AllianceMeds today!
What types of injuries are covered by workers’ compensation in Vermont?
In Vermont, nearly any injury that arises “out of and in the course of employment” is covered by workers’ compensation. In many cases, such injuries happen very quickly, such as back and neck injuries sustained after falling off a ladder, or an injury sustained while operating machinery. In other cases, workers’ compensation may come into play when someone develops repetitive use injuries like carpal tunnel syndrome, or lung disease tied to long-term exposure to harmful substances in the workplace.
There are a few notable exceptions, however. Vermont law specifically excludes injuries resulting from an employee’s intent to harm him- or herself or others, injuries due to an employee’s intoxication and injuries that occur because an employee refused to use provided safety materials.
How do I file a workers’ compensation claim in Vermont?
Your workers’ compensation claim begins with notification to your employer. You are responsible for providing timely notification of when and where the injury occurred. Your employer then has 72 hours in which to file a claim with its workers’ compensation insurer or to notify the Vermont Department of Labor about the incident.
Within 21 days of receipt of your claim, the workers’ compensation insurer must either approve or deny your claim. The insurance company may contact you with requests for additional documentation while they review your claim; if they do not receive the requested information, they may deny the claim on that basis. The good news is that, if your claim is denied, you have the right to file an appeal.
What types of benefits are available under workers’ compensation in Vermont?
Workers’ compensation is designed to help injured workers, so they are not personally responsible for financial burdens related to their injuries. In Vermont, coverage generally pays medical expenses related to the injury, including costs of hospitalization, doctors’ visits and surgeries, pharmacy expenses, rehabilitation and therapy costs, and other related expenses.
Employees may also be entitled to payment of mileage expenses to and from medical appointments. Workers’ compensation insurance coverage also includes payments for injured employees’ lost wages while they recover. In the event an employee is unable to return to work due to workplace injuries or illness, workers’ compensation provides for lifetime income (permanent disability payments).
However, Vermont’s workers’ compensation program does not include benefits for an employee’s emotional distress, pain and suffering related to their injury, or compensation for a loss of future earnings.