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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

No, your company will not be audited. Intelligent Management Solutions Group, Inc. is subject to audit.

Workers' Compensation Insurance is paid entirely by the employer. No payroll deductions are taken out of individual employees' paychecks.

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.

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.

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.

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.

Many states recognize the PEO as the employer of worksite employees for purposes of providing workers' compensation coverage. In New York, PEOs can be listed as Labor Contractors for each client worksite. With the PEO as the policyholder, each client's experience is tracked individually, thereby protecting the integrity of the experience rating system.

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.

The workers' compensation laws provide an opportunity for a hearing if you and your employer, or your employer's insurer, can't resolve a dispute. While it is not required, it is a good idea to be represented by an attorney at this hearing. You still have the right to receive workers' compensation benefits. In addition, you may be able to bring a separate lawsuit against the party who caused your injuries.