WHAT IS WORKERS COMP?
WHAT IS WORKERS' COMPENSATION?
Workers' compensation is a wage replacement and medical care program for a worker who suffers a work-related injury or illness.
IF I HAVE A WORK-RELATED INJURY OR ILLNESS, WHO PAYS MY MEDICAL BILLS AND LOST TIME FROM WORK?
Your workers’ compensation benefits are paid by your employer/carrier. These benefits cover only work-related injuries, illnesses, and fatalities.
ARE ALL EMPLOYERS REQUIRED TO HAVE WORKERS' COMPENSATION INSURANCE?
Yes. All employers are required to have workers' compensation insurance except employers of agricultural laborers with payroll less than $50,000 (agricultural operations with payroll between $8,000 to $50,000 have the option of either workers' compensation coverage or liability coverage), casual or domestic workers, real estate brokers, sole proprietors, and partners.
NOTE: A general contractor will now have to ensure all subcontractors, including sole proprietors and partners, have workers' compensation coverage.
WHO PAYS FOR WORKERS’ COMPENSATION INSURANCE?
Your employer pays for your workers' compensation insurance and cannot deduct the premium cost from your pay.
AM I COVERED UNDER WORKERS' COMPENSATION BENEFITS IF I WORKED ONLY A SHORT TIME FOR MY EMPLOYER?
Yes. You are entitled to workers' compensation benefits even though you have been on the job a short time or employed part-time.
HOW DO I FIND OUT WHO THE WORKERS' COMPENSATION INSURANCE CARRIER IS FOR MY EMPLOYER?
By law, your employer is required to post his workers' compensation insurance carrier's address and phone number at your site of employment, or indicate that he is self-insured. You may also obtain this information by calling your State Labor Department.