Insurance Info

Worker’s Compensation (or workman’s comp) is a crucial part of the stability of our modern day workplace. Without a good compensation program in place, worker’s could be left out in the cold after an injury incident.

This article is here to explain what exactly worker’s compensation is, and if you are eligible to receive it.

What is Worker’s Compensation?

If you are on the job 8 hours-a-day 5 days-a-week, there is a definite risk of getting hurt. After all, your job takes up the bulk of your day! Worker’s compensation is an overarching program that gives employees the right to covered medical care or financial relief.

A stronger definition: “Worker’s Comp is a form of insurance that provides compensation medical care for employees who are injured in the course of employment, in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence. While plans differ between jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment. General damages for pain and suffering, and punitive damages for employer negligence, are generally not available in worker compensation plans.” – en.wikipedia.org/wiki/Workers_compensation

For worker’s compensation to take effect, an injury or illness has to occur during the course of standard employment. Continue reading ‘What is Worker's Compensation? Can I Get It?’ »

Overexertion and Work Injuries

Each day across the nation, people get up and head to work, ready to perform the duties required of them by their jobs. While some people head to labor-intensive jobs like carpentry, construction, and warehouse work, others may head to restaurants, office buildings, and other vocations. While most people assume that people with jobs that require lots of manual labor are the most likely to suffer injury at work, the truth is that workers in any vocation may be hurt on the job.

One of the most common injuries reported by workers is overexertion while on the job. Overexertion often includes injuries caused by repetitive motions, lifting heavy items in the workplace, or stress and strain put on muscles and joints due to the required job duties. If a worker is injured by movements at work, he or she may be eligible for compensation under his or her company’s worker’s compensation insurance. Continue reading ‘Overexertion Injuries and Worker's Compensation’ »

Back Injuries in the Workplace

While injuries to individuals can happen anywhere at anytime, accidents and harmful incidents that occur in the workplace can have a very serious impact on a person’s ability to work and perform the duties required of them by their employer. Additionally, workplace accidents can place additional stress on the employee because of the added attention that they bring and the embarrassment of being injured around one’s peers and supervisors.

While certain injuries are easy to recover from and may not require the worker to miss any valuable working hours, others may be hard to recover from and can be very costly to the injured party. A commonly reported injury in many vocations is injury to the back and lower lumbar region. Back injuries can be very serious and may require medical treatment or hospitalization. Continue reading ‘Worker's Compensation For Back Injuries’ »

If your company does not have any claims, the E-Mods/X-Mods will not change significantly. If you have more than one or two claims, it will change dramatically. This is going to change the rules on how companies such as ours perform Premium Audit reviews for employers. The way that it is being done now will be a thing of the past.

What one area will employers,companies and consultants have to be very versed in to be able to do accurate Workers Compensation premium audits for employers? The answer to this question was found by reading the statistical study used as a basis for the change. It was buried deep in the study.

Consultants that are strong in that area and have been doing very similar reviews for numerous years are very lucky. You heard it here first. Continue reading ‘Very Serious Workers Compensation Changes Upcoming’ »

When an individual has been seriously injured in an accident in the workplace, he or she may be entitled to permanent disability benefits, depending on the type and severity of the injury and other factors. Permanent disability benefits are worker’s compensation benefits for these individuals and there are three categories that the injured worker may fall into.

The first category is statutorial permanent disability. If someone has lost both hands, both arms, both feet, both legs, both eyes, or the permanent and complete loss of the use of any of those body parts, such an injury would be classified as statutorial permanent disability, entitling the injured worker to benefits. Even if the individual is able to work after the injury, he or she can still receive these benefits. For example, if you lost both legs, or the use of them, but are able to continue in your job as a bookkeeper, you can still receive permanent disability benefits. Continue reading ‘Permanent Disability Benefits and Workers' Compensation’ »