YOUR COMPLETE GUIDE TO WORKERS' COMPENSATION -Martino West

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YOUR COMPLETE GUIDE TO WORKERS'
COMPENSATION Everything You Need to Know About
Workers' Comp
0 WHAT IS WORKERS' COMP? It's .i typo of
in.suranco that pc-ovidH benefits to tmPlltgt)'MS
whO ar tnjurecl QI )5ick dvrlng the
course of their empfoymont.Itcowrs louof
w.modic.i1 bills, dis.ability, .ind do.ith
bonofits -'othereJ1.penses that arrse asa
1ltora .swt1iincd injury. WHY DO YOU NEED IT?
WorkerS'complsa1ega1 reQu1rnt.ln50me state-s.
itis mandatoryirresf)ectiw or)'(gtUr nduS.try
or tho siro of your company.It11lso protocu
you rtom polble bcu'lklttAfXCy atls!ng rromlaww
ts and nwdical bill.s..
STATE REGULATIONS
Worker' comp regulations. requirements. and
penalti are different for each state. size of
yourcompany Mterminn your W'Of'kors conip
COt"l\Pllance scope.TM norm.though.is that ewn
withjust one empfoyoe.you need to vet the
lnsuraAlte.Tt)(,11 1the only stat
wntotewltgttktt"' comp isoptional in most
situations.
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REQUIREMENTS FOR REPORTING A CLAIM
.
Though s.tatH havedifferent requirement' when it
comets to uporting cl.iims.9'1"M"'.illy,it's90od
l)(ttetlee O (E'pott an f\lu()'
to)'Ourlnsu(ane. company within a week.After you
report. )'OYf lnsurinco c.irrlor will l nc.h
.in nvos1i9ition n10 the claim to detet-mine
hOw much they'll ccgtvet'.
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O.iiiiiiiiiii
WHAT'S NOT COVERED 0 WorkerJ' comp doesn'tcowr
instancfl when an omployoelslnJurod is., rosult
of poron.il ne-gl e 0( or being JnviolatiOn of
oomigtany policy.Arry inju.ry Justained outside
the scope of omplO')'men1l5n't covered, 0
ADDITIONALINFO Wortoors" comp doosn't covor
votuntoctrs, lndel)endent co1'1lraeto1s.
anddomestic wortce1s in private homeJ. Some
JtateJ may also eltempt Mas.onlt11I emploe5
FOR MORE INFORMATION HTTPSj"""4R'TINO'h'ESJCOM,1Y
OUCIJNOCIKERSltOMPCU OE-WOctKECIS-COMPBENEFITSAN
OlA'h'S/
Martino\l\fest ...
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