WHAT SHOULD I ASK MY AGENT?. History Before Workers Compensation Before the creation of workers compensation laws, employees injured on the job had to prove that the employer’s negligence caused the injury. Even if negligent, the employer could usually invoke the following defenses:.
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Before the creation of workers compensation laws, employees injured on the job had to prove that the employer’s negligence caused the injury.
Even if negligent, the employer could usually invoke the following defenses:
Workers Compensation – Definition
A system whereby an employer must pay, or provide insurance to pay, the lost wages and medical expenses of an employee who is injured on the job. Occupational disease is also included.
Definition on an Accepted Workers Compensation Claim
Injury must arise out of and in the course of employment.
Types of Claims:
Regulated by state statutes – Benefits Included
Does not cover pain and suffering
Case law defines the fundamental test of employment as the right of the employer to control the employee’s work. The right and authority to hire or to fire.
Consecutive Days Missed From Work
1 day = 0
2 days = 0
3 days = 0
4 days = 0
5 days = 0
6 days = 0
7 days = 0
8 days = 1 day of pay
9 days = 2 days of pay
10 days = 3 days of pay
11 days = 4 days of pay
12 days = 5 days of pay
13 days = 6 days of pay
14 days = 7 days of pay
15 days = 15 days of pay
16 days = 16 days of pay
Medical benefits begin immediately and are unlimited
If your experience is 20% worse = 1.20
What To Look For When Buying A Workers Compensation Policy