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Should Know 3What does workers’
compensation cover?
It covers costs associated with any injuries or or illnesses your your employees suffer while working These can include legal costs (defending your your company against an an an an employee injury claim) as as well as as settlements and judgments for which your company is found liable These typically include medical bills or or payments for mental distress Keep in in in in mind: the the injury or or illness doesn’t always have to happen in in in in the the workplace If it’s it’s job-related it’s it’s probably
covered For example if an employee gets hurt while they’re traveling for for work work their injury may be 4eligible for for workers’
workers’
compensation compensation How do I file a a a workers’
compensation claim?
So your employee just got hurt on
the job— what now? How do do do you you you help? What do do do you you you need to do?
Paperwork After your your employee tells you you you they got hurt it’s your your your responsibility to to send their paperwork to to to your your your insurance carrier In some states your your employee may need to to to file a a a a a a a a a a a separate claim too Each state state has different requirements—making it it it critical to to know
yours Visit the Department of
Labor’s website
to to find exactly what you’re required to to do After your insurance carrier accepts the the claim they’ll approve it and assign you you you an an an adjuster adjuster Your adjuster adjuster will be able to to to tell you you what to to to do do next including how to to to submit medical bills and other documentation 5 Does workers’
compensation cover any illness or or or injury that happens at work?
No workers’
compensation doesn’t doesn’t cover every work work injury or or or illness When it it doesn’t doesn’t cover something it’s typically because the injury or illness is found to be:
• • Due to alcohol or drugs
• • • Caused by by the the the employee employee to to to themselves • • • Due Due to to to a a a a a a fight started by by the the the employee employee • • • Due Due Due to to to a a a a a a violation of
company policy
• • Due Due to to a a a felony
These basics should help you you get started with workers’
compensation but once you’ve done your your research and know
what’s required in in your your state make sure sure to find an an occupational health provider Not sure sure what you should be looking for? Read our white paper 12 Simple Steps to a a a a a a a Successful Occupational Medicine Program In it it we’ll tell you you you you what what you you you you should be looking for in in in a a a a a a a provider—and what what you you you you need to do after you you you you finish the workers’
compensation basics