OFFICIAL PUBLICATION OF THE NEW HAMPSHIRE AUTOMOBILE DEALERS ASSOCIATION

Pub. 2 2020 | Issue 5

Keys-to-a-Successful-Second-Injury-Fund-Claim

Keys to a Successful Second Injury Fund Claim

Prior to the Americans with Disabilities Act, the Second Injury Fund (SIF) was established to encourage employers to hire individuals with preexisting permanent physical or mental impairments. The SIF is still in existence today. The SIF offers a way to recover funds if an employee with a preexisting qualifying condition sustains a qualifying work-related injury. Each year, NHADA WCT identifies potential SIF claims and prepares them for submission to the State of New Hampshire Dept. of Labor (DOL). If the DOL accepts a claim, NHADA WCT will recover 50% of qualifying indemnity and medical expenses over $10,000.00. After 104 weeks, 100% of qualifying indemnity and medical expenses are recovered. NHADA WCT has recovered $6,288,548.00 since 1990. Those funds have been placed directly back into the corresponding claims; therefore, reducing the overall expense of that claim. Keys to successful SIF claim:
  • Employer must have written documentation of the preexisting condition prior to the work-related injury.
    • The preexisting condition does not have to be work-related and does not have to include the same body part as the work-related injury.
    • The SIF Form can be found here: https://f.hubspotusercontent30.net/hubfs/4829685/SIF%20 Form%202019.pdf
      • The SIF form can only be completed at the time of hire.
      • If an employer becomes aware of an employee sustaining an injury or illness outside of work, a doctor’s note or a handwritten note by either the employee or the employer will suffice as written knowledge. It must be descriptive, dated, and in the employee’s medical file prior to the work-related injury.
  • NHADA WCT must put the Fund on notice within 100 weeks of the work-related injury.
  • Indemnity and medical expenses must exceed $10,000.00
  • The preexisting condition must be permanent and serious enough to cause a hindrance to employment opportunities.
  • The employers written documentation of the preexisting condition must predate the work-related injury.
  • The combination of the preexisting condition and the work-related injury must result in a more significant disability than the work-related injury alone.
  • NHADA WCT must submit the claims to the DOL for approval by Sept. 1.
Deb Handrahan, Member Services Coordinator, may contact you if we feel you have a claim that would qualify for SIF reimbursement. It is necessary for us to get notarized documentation of the employer’s knowledge of the preexisting condition for submission. This will require a review of the injured employee’s personnel and medical files.

Deborah Handrahan AIC-M, Member Services Coordinator

If you have any questions regarding the SIF, please contact us at
800-852-3372 or email dhandrahan@nhada.com.

This story appears in the 2020 Issue 6 of Drive: NH Magazine.

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