What benefits are provided by having BWC coverage?
A. BWC coverage first and foremost is required by law. There is further benefit to an employer having coverage if a work-related injury occurs to an employee, since the injured worker’s medical bills for treatment of the allowed conditions, temporary total disability benefits for lost wages, and other benefits will be paid directly by the BWC with no co-payment by either the employee or the employer. The injured worker cannot sue the employer for causing a work-related injury unless there has been an intentional tort. Further, an injured worker’s sole remedy in the event of a work-related injury is workers’ compensation benefits. Call our office if you have any questions regarding protection afforded to an employer who has coverage or the limited exceptions that apply.
Related Questions
- Because Medicare is primary, I have never used the Traditional Choice Indemnity coverage. What are the benefits of the coverage provided under Aetna Medicare Open Plan over Original Medicare?
- What happens if the benefits promised in my policy are greater than the coverage limits provided by the Iowa Guaranty Association?
- How long are benefits provided with BOE coverage?
