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How Does Workman Compensation Work?
By Tom Streissguth, eHow Contributor * * * * Print this article
Workers' compensation insurance developed in the late 19th century as an important benefit for employees who were not protected from illness or injuries suffered on the job. Before workers' comp laws were passed, injured workers often had few resources with which to treat their injuries and no means of physical rehabilitation and returning to the work force. Workers' comp also protects employers from civil liability for workplace accidents.
Other People Are Reading * How Does Workers' Compensation Work? * How to File a Workers' Compensation Claim 1. Insurance * State laws govern the workers' compensation insurance industry. The law requires most employers to carry workers' comp insurance for each of their employees. Workers' comp may be provided by private insurance companies or through a state workers' compensation pool to which all employers must contribute. Insurance rates rise and fall with the expense of claims and administration, and tend to be higher for industries that involve more physical risk, such as construction and factory work.
Reporting
* When a worker suffers an injury requiring medical treatment, the employer is required to report the accident to the workers' comp carrier. If the accident occurred in the course and scope of the worker's employment, and during time for which the worker earned wages, the workers' comp insurance covers the cost of emergency treatment, necessary surgery, medications, office visits and rehabilitation. The worker can also draw temporary disability benefits for time lost from work, as well as permanent disability if he is unable to return to work at all. * Sponsored Links * ITIL V3 Cerifications
EXIN Authorized - 100% Exam Pass! * For Info / Offer Call +919176767670 www.adeptechno.com/ITIL Claims * The insurance company is required to pay
By Tom Streissguth, eHow Contributor * * * * Print this article
Workers' compensation insurance developed in the late 19th century as an important benefit for employees who were not protected from illness or injuries suffered on the job. Before workers' comp laws were passed, injured workers often had few resources with which to treat their injuries and no means of physical rehabilitation and returning to the work force. Workers' comp also protects employers from civil liability for workplace accidents.
Other People Are Reading * How Does Workers' Compensation Work? * How to File a Workers' Compensation Claim 1. Insurance * State laws govern the workers' compensation insurance industry. The law requires most employers to carry workers' comp insurance for each of their employees. Workers' comp may be provided by private insurance companies or through a state workers' compensation pool to which all employers must contribute. Insurance rates rise and fall with the expense of claims and administration, and tend to be higher for industries that involve more physical risk, such as construction and factory work.
Reporting
* When a worker suffers an injury requiring medical treatment, the employer is required to report the accident to the workers' comp carrier. If the accident occurred in the course and scope of the worker's employment, and during time for which the worker earned wages, the workers' comp insurance covers the cost of emergency treatment, necessary surgery, medications, office visits and rehabilitation. The worker can also draw temporary disability benefits for time lost from work, as well as permanent disability if he is unable to return to work at all. * Sponsored Links * ITIL V3 Cerifications
EXIN Authorized - 100% Exam Pass! * For Info / Offer Call +919176767670 www.adeptechno.com/ITIL Claims * The insurance company is required to pay