When you have a work-related injury covered by workers’ compensation, you typically cannot file a lawsuit against your employer. Workers’ comp laws in every state include an exclusive remedy provision that protects employers from employee lawsuits as long as their business has a valid policy in place. However, there are situations that override this protection…
Insurance
Do I Need Workers’ Compensation Insurance?
The chances are that if you own a business and have employees, then you need workers’ compensation insurance. Coverage is mandatory for most employers in every state (except Texas) to pay the medical bills and lost wages of employees hurt in workplace accidents. Without workers’ comp, employers would have to cover these costs out of…
Louisiana Workers’ Comp: Laws, Providers & Costs
According to Louisiana workers’ compensation laws, any public or private employer is required to provide coverage for their employees with few exceptions. Workers’ compensation pays for the costs of care and lost wages when employees are injured on the job. The average cost of a policy in Louisiana across all industries is $1.50 per $100…
Michigan Workers’ Compensation: Laws, Providers & Costs
Michigan state law requires most employers to carry workers’ compensation insurance if they have at least three employees or one who works more than 35 hours per week. The average cost of Michigan workers’ compensation insurance is 70 cents per $100 in payroll across all industries. Michigan workers’ compensation laws are complicated, so you want…
Arizona Workers’ Compensation: Laws, Providers & Costs
Arizona workers’ compensation laws mandate that employers obtain coverage regardless of the number of employees they have. This means they need workers’ comp even if they have only one part-time employee. Business owners in Arizona pay an average of 83 cents per $100 in wages for workers’ compensation insurance. You can make shopping for workers’…
Injured on the Job? Here Are Your Next 5 Steps
Getting injured on the job certainly makes for a bad day. Even though you may know you’re covered by your employer’s workers’ compensation insurance, you may be confused as to what to do first. On-the-job injuries can sure be chaotic, and not following guidelines can get your claim denied. Here’s how to get the benefits…
How Workers’ Compensation Settlements Work
Getting injured at work may mean that you have a long-term or permanent disability. Workers’ compensation insurance covers this possibility by paying a portion of your lost wages while you can’t work. However, you may be offered a workers’ compensation settlement if the injury is expected to last for an extended period. This settlement is…
Tennessee Workers’ Comp: Laws, Providers, & Costs
Tennessee companies that have five or more employees generally are required to maintain workers’ compensation insurance for their employees. A couple of notable exceptions are those in the construction or coal industries that have at least one employee. The average cost of a Tennessee workers’ compensation insurance policy is 81 cents per $100 of payroll…
Connecticut Workers’ Compensation: Laws, Providers, & Costs
Connecticut state law requires all business owners with employees to carry workers’ compensation insurance in the event a worker is hurt on the job. The program is the exclusive remedy for injured workers in the state so that employees can’t sue their employers for additional benefits. Connecticut workers’ compensation insurance costs approximately $1.10 per $100…
What You Need to Know About Federal Workers’ Compensation
Workers’ compensation is a state-run program. However, federal employees are excluded because they are insured through the Federal Employees Compensation Act (FECA). This act provides workers’ comp for federal employees who are injured while on the job so that they may receive the benefits of workers’ compensation insurance. The Federal Workers’ Compensation Act In the…
Navigating the Workers’ Compensation Claims Process
Getting injured on the job can be scary for all involved. At least with workers’ compensation insurance, employees and employers know that the cost of care will be covered and that employees will get disability payments to offset their lost wages. But to make sure employees get all benefits, it’s important to know the workers’…
Workers’ Compensation Eligibility
To receive workers’ compensation insurance benefits, employees must meet eligibility requirements. These requirements include the worker’s employment status, the business owner’s workers’ comp requirements, the nature of the injury or illness, and the employee’s cooperation with filing deadlines. Meeting workers’ compensation eligibility requirements helps minimize the chance of a claim being denied. 1. The Worker…