Workers’ Compensation is a state-regulated insurance policy that provides benefits to employees who suffer a work-related injury or develop an occupational illness. These benefits are intended to cover medical treatment and, in many cases, a portion of lost wages when an employee is unable to work due to the injury or illness.
If you are a business owner, it is critical to understand your state’s requirements. For example, in Georgia, businesses with more than three employees are legally required to carry Workers’ Compensation insurance. If you work with independent contractors, you should request proof of their own coverage to avoid being held liable for their injuries.
Even if you have fewer than three employees or are just starting your business, purchasing a Workers’ Compensation policy is strongly recommended, as many contracts and projects require it. Having this coverage allows your business to compete for more work opportunities.
Who should I contact if I have a work-related accident?
If you are injured on the job, the first step is to report the accident to your employer as soon as possible. Prompt reporting is essential for proper claim handling.
Am I entitled to Workers’ Compensation benefits?
If your work-related injury or illness is deemed compensable under state law, you are entitled to benefits. Workers’ Compensation helps protect your income by replacing part of your lost wages and covers medical bills, prescription medications, mileage reimbursement for medical visits, and other related expenses.
Can I see my own doctor or change doctors?
Whether you can see your personal doctor or change the treating physician depends on state regulations. You must contact the insurance carrier before making any changes to ensure approval.
What do I need to return to work?
To return to work, you must receive a medical release from your treating physician. Once cleared, you should return to work promptly and provide your employer with the return-to-work authorization form. Staying in contact with your employer and claims adjuster throughout recovery is very important.
What happens when I return to work?
If your doctor clears you to return without restrictions, you may resume your regular duties. If there are medical restrictions, you should immediately discuss with your employer whether temporary alternative duties are available until you are fully cleared.
Can I request alternative work?
Yes. If your doctor states that you cannot perform your regular job duties, you may request modified or alternative work, as long as you are medically authorized to return with restrictions.
Conclusion
Workers’ Compensation insurance applies exclusively to work-related injuries and illnesses. Business owners must ensure they are properly insured and compliant with state laws.
If you are a business owner, contact us. At Calidad Insurance, we explain your options, provide competitive pricing, and guide you through purchasing the right Workers’ Compensation policy for your business.
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