| Prerequisites Involving An Employee And A Workers Compensation Insurance Company |
 |
 |
 |
| Written by Kevin Bates |
| Friday, 27 August 2010 13:30 |
|
When someone is working on a job there will, occasionally, be accidents. For many years there was nothing to assist workers in this situation. In the United States Maryland passed the first state workers compensation coverage law in 1902. One can find a number of workers compensation insurance company listings on the Internet and in insurance directories.
When someone is working on a job there will, occasionally, be accidents. For many years there was nothing to assist workers in this situation. In the United States Maryland passed the first state workers compensation coverage law in 1902. One can find a number of workers compensation insurance company listings on the Internet and in insurance directories. Having workers compensation coverage is essential to be sure that any employee injured on the job will receive the required doctor or hospital care as well as lost wages while disabled. In addition, should he or she be killed their family will receive benefits. Long term care, retraining and rehabilitation are also covered. Prior to this law, many people were injured or killed on the job with no type of compensation. The entire United States as well as many other countries throughout the world have this type of employer insurance in place. The rules and regulations vary from state to state and country to country. However, in California the employer has a choice of using the State Workers Compensation Fund, or being covered by an insurance broker or a private insurance carrier. It is mandatory that any employer carry this insurance. Under the law there are certain things that are mandatory and the law and its amendments are quite complex. In addition they can be changed at any time. No company with employees can operate in the state without this insurance. There is absolutely no exception to this rule. Unless an employee has provided written notice regarding what physician to contact in case of an injury, the employer chooses who is to be contacted. If no notification is given the employee must wait 30 days before changing doctors. On occasion this is noted on the employment papers. Under Workers compensation coverage, for a temporary or total disability, the injured party must wait 3 days before filing a claim for benefits. If they are hospitalized or the injury continues for a period of 14 days the claim is retroactive to the date of the injury. It should be noted that if a worker is injured because they were intoxicated or committed willful misconduct, they cannot collect workman's compensation coverage, nor will any benefits be paid. Depending on the laws of the state, an injured worker can be denied benefits if the accident was caused by their negligence or if they were intoxicated. If such an employee feels they were wrongly treated they can contact a lawyer and ask for a Compensation Litigation to hear their case. The workers compensation insurance company would represent the employer in such a case. DISCLAIMER: This article is provided as information only and is not to be taken as financial advice. Get the inside scoop on the requirements of an employer and a workers compensation insurance company now in our complete workers compensation coverage overview. |