Department of Labor and Industry

2005 Annual Report

Table of Contents

Letter From the Commissioner

Summary i

Section 1: Montana's Workers' Compensation System

Declaration of Public Policy 3
Insurance Coverage Requirements 4
Life of a Claim 5
Montana's Workers' Compensation System Administration 7
Montana Workers' Compensation Market 9


Section 2: Claims Statistics

Comparison of Claims by Plan Type 13
Injured Worker Characteristics 14
Insurer Denial of Claims 20
Fatal Occupational Injuries - 2004 21


Section 3: Benefits  

Total Benefits 27
Benefit Report Data 30
Settlement Dollars 38
Attorney Fees 39


Section 4: Dispute Resolution  

Occupational Disease Evaluations 43
Mediation 44
Contested Case Hearings 46
Workers' Compensation Court 47
Significant Workers' Compensation Court Cases 49
Selected Supreme Court Decisions on Workers' Compensation and Occupational Disease 54


Section 5: Department Administered Programs  

Organizational Charts 59
Workers' Compensation Assessments as Expended 60
Suseqent Injury Fund 61
Uninsured Employers' Fund 62
Occupational Safety & Health 64
Independent Contractor Exemptions 66
Professional Employer Organizations 67


Appendices  

Definitions 71
Methodology 76
Data Sources 77
Future Annual Reports 78
Internet Site 78
Special Studies Available 78