Lost-Time Workers Comp Claim
Definition. A Lost-Time WC claim is one where the employee misses work beyond the state's waiting period (typically 3-7 days) and receives wage-replacement benefits.
Also known as: LT Claim
Distinguished from Medical-Only claims (treatment but no time off). Lost-Time claims weigh MUCH heavier on Experience Modifier than Medical-Only — often 5-10x the impact. Return-to-work / modified-duty programs are designed to convert Lost-Time into Medical-Only.
Example
Worker breaks finger; treated and returns next day = Medical-Only. Worker breaks ankle, off 3 weeks = Lost-Time. Same medical bill but very different EMR impact.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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