Disclaimer
This information is for educational purposes only and does not constitute legal advice. Consult a qualified attorney or North Dakota Workforce Safety & Insurance for guidance.
Detailed Answer
If you’ve received medical treatment under a North Dakota workers’ compensation claim, you have the right to know whether the insurer paid your medical bills. Here’s how to confirm:
- Gather Your Documents
- Obtain itemized medical bills from each provider.
- Ask the provider or insurer for an Explanation of Benefits (EOB) detailing charges, adjustments, and payments.
- Review the EOB and Billing Statements
- Compare the billed amount with the insurer’s payment and any patient responsibility.
- Look for line items showing “workers’ compensation payment,” “adjustment,” or “denial.”
- Access Online Claim Portal
- North Dakota Workforce Safety & Insurance (WSI) offers an online portal at https://www.workforcesafety.com/ where you can review claim payments and status.
- Contact the Insurer or Claims Administrator
- Call the insurance adjuster or WSI claims representative and reference your claim number.
- Request a detailed payment history for medical bills.
- Follow Statutory Deadlines
- Under NDCC §65-05-10 (https://www.legis.nd.gov/cencode/t65c05-10), the insurer must pay all undisputed medical bills within 30 days of receipt.
- If payment is late, you may be entitled to interest.
- Dispute Unpaid or Incorrect Amounts
- If you believe payments weren’t applied correctly, file a written dispute with WSI or the insurer.
- You may request a hearing before the North Dakota Office of Administrative Hearings.
- Consult a Legal Professional
- While this guide educates you, a workers’ compensation attorney can help you enforce payment rights under NDCC §65-05-06 (https://www.legis.nd.gov/cencode/t65c05-06) regarding insurer obligations for medical and hospital services.
Helpful Hints
- Keep a dedicated folder—digital or physical—for all medical and claim documents.
- Note dates you sent or received bills, EOBs, and correspondence.
- Highlight any discrepancies between billed and paid amounts.
- Record names and contact details of adjusters and medical billing staff.
- Set reminders for statutory payment deadlines under NDCC §65-05-10.
- Use the WSI online portal regularly to track status updates.
- Raise disputes in writing and keep copies for your records.