The Need For Worker's Compensation Coverage

​Workers' compensation insurance covers hospital and salary benefits for employees injured or ill on the job. It is classified as social insurance since it is based on a social contract between management and labor. Company owners are shielded from civil litigation brought by injured workers to obtain workers' compensation insurance. 

Coverages of Workers' Compensation Insurance
Advantages from workers' compensation insurance often assist your employees by covering the following:

1. Impairment
   Your employee may become disabled due to a work-related injury or disease. Work-related impairment is typically classified into one of four groups:
   
   
2. Temporary Partial Disability
   It means that your employees will be able to work at a reduced capacity without taking time off. 
   
   Therefore, an employee who slips in the workplace and fractures her wrist, for example, may be partially incapacitated and allowed to return to work, but only for half-day until her wrist recovers.
   
   
3. Temporary Total Disability 
   It implies that your wounded employee will be unable to work for a set period but will be able to return to work at full capacity when that time has passed.
   
   
4. Permanent Partial Disability
   Your employee may come back to work with a permanent partial disability, but they'll never be able to do their duties in the same way they did before the occurrence.
   
   
5. Permanent Total Disability
   Due to permanent complete disability, your employee will be unable to work and will never be able to return to their previous employment.
   
   
6. Medical Assistance
   If your employee suffers an accident or sickness due to their job, they may be able to submit a workers' compensation claim to assist cover the costs of their medical care. This can involve assisting with the payment of their:
      - Visits to the hospital and emergency rooms
      - Appointments with the doctor
      - Medications
      - Equipment for recovery
      - Rehabilitation and therapy
   
   
7. Rehabilitation
   Workers' compensation may also be able to help you cover the costs of continuing therapy for your employee. Aside from that, workers' compensation may also assist with new training and certifications.
   
   
8. Income that has been lost
   Workers' compensation can assist in restoring part of your employee's lost pay if they take time off work to recuperate from a job-related accident or sickness. If your employee dies, the money you would have paid them might instead go to their family. State rules determine the amount received by their beneficiaries.
   
   
9. Assistance for Death and Funerals
   Workers' compensation can pay an employee's family and dependents if they die from a work-related accident or sickness. These benefits may assist them in covering funeral costs and lost profits.
   
   Further, workers' compensation payouts are usually paid to close family members or dependents of a deceased employee.

In Summary
Workers' compensation is a state statute that protects employees by providing medical treatment, death, injury, and rehabilitation payments to injured or killed employees on the job.

At CSIS Insurance Services Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote. Coverage discussed in this article is not guaranteed. Please contact our agents today to ensure that your needs are being met and learn more about your policy. We are happy to help!