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Frequently Asked Questions

Who is my employer's workers' compensation insurance carrier?

Frequently Asked Questions
Contact Statistics at (919) 807-2506 for your employers' insurance coverage. We need to verify period of coverage and with what insurance carrier or Third-Party Administrator handling their claims during that injury date.
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What if my employer doesn't have workers' compensation insurance?

Frequntly Asked Questions - printer friendly version
With the exception of public employers and employers of domestic workers, the law requires that employers operating in New Jersey provide for the payment of workers' compensation benefits through an insurance policy or an approved plan of self-insurance. If you suspect that your employer is in violation of this requirement, you should immediately notify the Office of Special Compensation Funds at (609) 292-0165 or at P.O. Box 399, Trenton, NJ 08625-0399 of your suspicion.
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Is my employer required to have Workers' Compensation Insurance?

Workers Compensation Law | New York Workers Compensation
State laws vary but, generally speaking, most employers must provide workers' compensation coverage for their employees. An exception to this general rule in some states is that Workers' Compensation Insurance coverage is not required for household workers. Furthermore, some states do not require coverage for very small companies.
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What do I do if my claim is denied by my employer or workers' compensation carrier?

FAQ New Jersey Lawyers: Petro Cohen Petro Matarazzo Warringt...
Immediately consult with us. As experienced workers' compensation lawyers, we can advise you of your options.
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When would an employer's health insurance carrier not have to offer COBRA or portability Insurance?

Oregon Medical Insurance Pool OMIP frequently asked question...
The law generally requires that group health plans maintained by employers with 20 or more employees in the prior year offer COBRA benefits. It applies to plans in the private sector and those sponsored by state and local governments. The law does not, however, apply to plans sponsored by the federal government and certain church-related organizations. For more information about COBRA laws, you may contact your local Department of Labor.
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What is Workers' Compensation?

FAQ: Workers' Compensation Philadelphia Work Injury Lawyer P...
Workers' Compensation is insurance paid for by employers to cover on-the-job injuries. State law requires employer to have such insurance or make other arrangements to pay for on-the-job injuries. Workers' suffering from work related injuries or diseases are entitled to wage-loss and medical expense benefits arising as a result of the injury or disease.
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To:
Under the workers' compensation law, if an employee sustains an occupational injury, workers' compensation laws may provide the employee with medical treatment and vocational rehabilitation; compensate the employee for job-related temporary and permanent disability; and protect the employee from retaliation for exercising workers' compensation rights.
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How does an employer obtain workers' compensation insurance?

FL Workers' Comp - FAQ For Employers
By qualifying as an individual self-insured; for additional information, contact the Division of Workers' Compensation at (850)413-1798. Or, an employer may contract with a professional employer organization (employee leasing) that has secured workers' compensation coverage. Your insurance carrier is required to provide you a supply of the Form DWC-1 First Report of Injury or Illness. Forms can also be downloaded from the Florida Workers' Compensation web site Rules & Forms page.
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Where can I report an employer for not carrying workers' compensation insurance?

DWC FAQs for employers
You may report an uninsured employer to the nearest office of the Division of Labor Standards Enforcement. The offices are also listed in the state government section of the white pages of your local telephone directory under industrial relations, labor standards enforcement.
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Can my employer take part of my check to pay for workers' compensation insurance?

DWC FAQs for employees
No. Workers' compensation insurance is part of the cost of doing business. An employer cannot ask you to help pay for the insurance premium. Yes. Your employer must post the "notice to employees" poster in a conspicuous place at the work site. This poster provides you with information on workers' compensation coverage and where to get medical care for work injuries. Failure to post this notice is a misdemeanor that can result in a civil penalty of up to $7,000 per violation.
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How will you know if an employer fails to provide workers' compensation insurance?

Frequntly Asked Questions - printer friendly version
Our sources of noncompliance with the compulsory insurance requirements of the law include reports from employees, other employers, community and union organizations, other governmental agencies, and, unfortunately, claims filed by injured workers.
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My employer does not have Workers' Compensation insurance. Am I out of luck?

FAQ - Workers' Compensation
No. If your employer was required to have Workers' Compensation coverage but does not, we can make application for benefits on your behalf through the Kansas Workers' Compensation Fund.
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Can I sue my employer directly for my workers' compensation injury?

FAQ
No, when you file a workers' compensation claim your employer has immunity from being sued directly unless an intentional tort occurs. All benefits are provided through the workers' compensation insurance provider. AWW is Average Weekly Wage. If lost wages are due, the workers' compensation carrier will calculate benefits based on the injured workers income 13 weeks prior to the date of injury.
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Can I be fired by my employer for applying for workers' compensation?

Workers Compensation Frequently Asked Questions
Illinois law specifically prohibits an employer from firing injured employees for exercising their right to compensation under the Illinois Workers' Compensation Act. The firing of employees for exercising their rights under the Act may give rise to a separate legal action against the employer.
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Can an employer self-insure for workers' compensation?

wcc.sc.gov - default
Yes. Hundreds of employers in South Carolina are self-insured. In order to self-insure, an employer must apply, meet certain financial and other requirements, and be approved by the South Carolina Workers' Compensation Commission. An employer may self-insure as an individual organization, or as part of a group self-insurance pool or fund. Self-insured employers and funds are regulated by the Commission.
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What remedy do I have if my employer has failed to carry Workers' Compensation Insurance?

Michigan Worker's Compensation Frequently Asked Questions
Answer: A special fund has recently been established called "The Uninsured Employers' Security Fund", to settle cases wherein employers have failed to carry insurance to pay for workers' claims. This fund is administered by the State of Michigan. The Bureau of Workers' Disability Compensation will notify the fund, whenever a case has been filed against an employer, who is neither self-insured nor carries workers' disability compensation insurance.
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Question: What can I do if the Workers Compensation Carrier does not act reasonably?

Kentucky, Louisville, Jefferson, Bullitt, Meade, Hardin coun...
Answer: Workers compensation insurance carriers, Third Party Administrators, (TPA's), and self insured employers, must handle claims in an appropriate manner, or they can be fined by the Office of Workers' Claims for violation of the Unfair Claims Settlement Practices Act (UCSPA). This act requires claims to be handled promptly, and benefits to be paid when liability is clear (KRS 342.267, KRS 304.12-230).
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Will my company be audited by the workers' compensation carrier?

FAQ - The Intelligent Companies
No, your company will not be audited. Intelligent Management Solutions Group, Inc. is subject to audit.
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Question: What is compulsory workers' compensation insurance and when is it required?

Jobwise - Frequently Asked Questions (FAQ)
Answer: Employers must take out and keep up to date a workers' compensation insurance policy covering all their workers as required by the relevant workers' compensation authority. Workers' compensation insurance provisions for injured workers vary across the Commonwealth, state and territory schemes, but the obligations for employers will be the same for all workers, regardless of their age.
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What are the benefits of workers' compensation insurance for employers and employees?

wcc.sc.gov - default
Workers' compensation pays for a portion of lost wages and medical care provided to employees who are injured on the job. Workers' compensation also compensates employees who suffer permanent disability or disfigurement. It is a no-fault approach which limits the employer's liability to those benefits provided by the Workers' Compensation Act. It is an inclusive remedy for on-the-job injuries.
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Why must my contractor have Workers Compensation Insurance?

Untitled Document
If your contractor is not insured and an employee of your contractor is injured on your property, you may be responsible for the employee's medical bills and the income required to support that worker if he or she is unable to work. You should verify that the policy is current by contacting the issuing agent.
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Who will be responsible for workers' compensation insurance?

Premier Staffing
PREMIER Healthcare will be responsible for workers' compensation insurance and all employer-related taxes and insurance when the travelers are on our payroll.
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Do I have to have workers' compensation insurance?

Accident Insurance Services - Workers' Compensation - Non-Su...
Employers in Texas have always had the choice of “opting out” of workers comp. In fact, an employer can reject workers' compensation completely and “go bare,” paying no benefits whatsoever to injured employees. However, we do not recommend this path, and believe that non-subscription should be a responsible alternative, in which employers are encouraged to manage their costs and provide a safer workplace.
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Who pays for Workers' Compensation Insurance?

Workers' Compensation Frequently Asked Questions
Workers' Compensation Insurance is paid entirely by the employer. No payroll deductions are taken out of individual employees' paychecks.
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Should I consider workers compensation insurance?

Fitts Agency : Insurance and Bonds Since 1875
Yes. Workers compensation insurance is required and is available to protect employees from lawsuits resulting from workplace accidents, and to provide medical care and compensation for lost income to employees injured in work-related accidents.
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Do I need workers compensation insurance?

Los Angeles Insurance - Frequently Asked Questions - Frankel...
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance.
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What are the benefits of Workers Compensation Insurance?

Sovereign Insurance Group
Workers Compensation insurance provides for the well being of your employees and promotes a positive work environment. Be aware that some states have passed laws that makes Workers Compensation mandatory once a? business expands to four or more employees on payroll. Workers Compensation insurance was created in order to pay employees medical expenses and loss of wages in? the event of a job related injury or sickness.
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Business Commercial Insurance FAQ
Workers compensation insurance provides for the well being of your employee's and promotes a positive work environment. Be aware that some states have passed laws that makes Workers Compensation mandatory once a business expands to four or more employees on payroll. Workers compensation insurance was created in order to pay employees. medical expenses and loss of wages in the event of a job related injury or sickness.
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What is the foundation of workers' compensation insurance?

Summit | FAQ
All 50 states have workers' compensation statutes. These laws protect workers and their dependents if injury, disease or death occurs while a person is on the job. Workers' compensation insurance is considered the exclusive remedy for workplace injuries. In most cases, lawsuits by employees are barred by statute. Only in rare circumstances have negligence lawsuits been allowed.
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