What are my employers responsibilities under workers compensation laws?
Workers’ compensation insurance benefits provide cash and medical care for workers who become disabled because of an injury or sickness suffered because of their job. If death results, benefits are payable to a worker’s surviving spouse and dependents. In most states, employers are required to purchase insurance for their employees from a workers’ compensation insurance carrier. In some states, larger employers who are clearly solvent are allowed to self-insure, or act as their own insurance companies, while smaller companies (with fewer than three or four employees) are not required to carry workers’ compensation insurance at all. When a worker is injured, his or her claim is filed with the insurance company, or self-insuring employer, who pays medical and disability benefits according to a state-approved formula.
A. Before an injury or illness occurs, your employer must: • Obtain workers’ compensation insurance or qualify to become self-insured • When hiring a new employee, provide a workers’ compensation pamphlet explaining the employee’s rights and responsibilities • Post the workers’ compensation poster in a place where all employees can see it. After an injury or illness occurs, your employer must: • Provide a workers’ compensation claim form to you within 24 hours a work-related injury or illness is reported • Return a completed copy of the claim form to you within 24 hours of receipt • Forward the claim form, along with the employer’s report of occupational injury or illness, to the claims administrator within 24 hours of receipt • Within one day of receiving your claim, authorize up to $10,000 in appropriate medical treatment • Provide transitional work (light duty) whenever appropriate • If you are the victim of a crime that happened at work, the employer must give notice of workers’ co
Employers are required to purchase insurance for their employees from a workers’ compensation insurance carrier if, for the most part, they have 3 or more employees. When a worker is injured, a claim is filed with the insurance company, who pays medical and disability benefits according to a state-approved formula. Unless they fall within limited, exempt categories, employers without workers’ compensation insurance are subject to fines, criminal prosecution, and civil liability.
Workers’ compensation insurance benefits provide cash and medical care for workers who become disabled because of an injury or sickness suffered because of their job. If death results, benefits are payable to a worker’s surviving spouse and dependents. In most states, employers are required to purchase insurance for their employees from a workers’ compensation insurance carrier. In some states, larger employers who are clearly solvent are allowed to self-insure, or act as their own insurance companies, while smaller companies (with fewer than three or four employees) are not required to carry workers’ compensation insurance at all. When a worker is injured, his or her claim is filed with the insurance company, or self-insuring employer, who pays medical and disability benefits according to a state-approved formula. Unless they fall within limited, exempt categories, employers without workers’ compensation insurance are subject to fines, criminal prosecution, and civil liability.
Workers’ compensation insurance benefits provide cash and medical care for workers who become disabled because of an injury or sickness suffered because of their job. If death results, benefits are payable to a worker’s surviving spouse and dependents. In most states, employers are required to purchase insurance for their employees from a workers’ compensation insurance carrier. In some states, larger employers who are clearly solvent are allowed to self-insure, or act as their own insurance companies, while smaller companies (with fewer than three or four employees) are not required to carry workers ‘compensation insurance at all. When a worker is injured, his or her claim is filed with the insurance company, or self-insuring employer, who pays medical and disability benefits according to a state-approved formula. Unless they fall within limited, exempt categories, employers without workers’ compensation insurance are subject to fines, criminal prosecution, and civil liability.
