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Workers’ Compensation insurance is required in California for all employers to provide to their employees. Injured workers are entitled to receive workers’ compensation benefits for an on-the-job injury, regardless of fault by the employee or employer. There are six (6) types of benefits available in California:
- Medical Care: Injured workers are entitled to receive all medical care reasonably required for the care and treatment of their injury at no cost to the employee.
- Temporary Disability: Injured workers who cannot return to work within three (3) days of the work related injury can receive benefits for partial lost wages as a result of their injury.
- Permanent Disability: Injured workers who are permanently disabled as a result of an injury sustained on the job can receive benefits for life.
- Vocational Rehabilitation: For injuries sustained before January 1, 2004, injured workers who ca2008_cnnot return to their former type of work can participate in a rehabilitation training program that will enable them to find gainful employment in another field.
- Supplemental Job Displacement: For injuries sustained after January 1, 2004, the injured employee can utilize a voucher for education-related retraining and skill enhancement. The maximum voucher amount is $10,000.
- Death Benefits: Should a worker be fatally injured, burial expenses are provided up to $5,000. The worker’s dependents may be eligible to receive support payments for a period of time.
Lowering your Workers’ Compensation costs: Reducing your frequency of claims can have the biggest impact on lowering the cost of your workers’ compensation insurance. Implementing and managing loss prevention and safety programs can have a direct result in making your work place safer for your employees as well as lessening the impact of less productivity, additional staffing costs and claims administrative expenses. Proper training of supervisors and managers for the handling and reporting of an employee injury can also have an impact on your claims results.
Our trained professionals can assist you in analyzing your Workers’ Compensation needs, reviewing your loss experience and providing you with a choice of insurers who provide competitive rates.
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