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Workers’ Compensation Insurance: What You Need to Know

In the event that your employee becomes injured on the job, workers’ compensation insurance will provide the necessary medical costs associated with their recovery.  In addition, this coverage will extend funds to cover their wages while they recover.  This critical insurance, which is required by most states, can provide you with peace of mind while allowing your employees to seek the treatment they need.  As we explore the basics of Workers’ Compensation Insurance, a fundamental part of our FabriCare Advantage Insurance program, ensure your policy is up-to-date and and provides adequate coverage.

When should I report an incident?

Employees who suffer on-the-job illness or injury should report it to you immediately.  Then, you can file a report with your insurance provider to kick-start the benefits process.

How are my employees reimbursed?

The treating physician will authorize the time frame that the employee is entitled to lost compensation. Benefits are paid weekly through a state-specific percentage rate of their average weekly wage, up to a maximum dollar amount. Bear in mind, however, that there is also a state specific waiting period before benefits are available.

Does my employee need an Independent Medical Exam (IME)?

Employers and insurance carriers can request that the employee receives another exam by a second medical professional to confirm or dispute the original diagnosis.

What should I do if my employee fails to follow treatment and recovery plans?

Non-compliance with the physician recommended medical treatments can jeopardize the workers’ compensation benefits.  Ensure your employees are sticking to their treatment recommendations, medication dosages, and that their return-to-work procedure has been created.  Stay in touch with your injured employees to minimize the risk of non-compliance.

About Irving Weber Associates

At Irving Weber Associates, we understand what it takes to run a successful dry cleaning business, including the risks of legal claims and challenges that exist.  We offer laundry insurance programs such as the FabriCare Advantage program to ensure that your clients are financially protected the best way possible, so that their business can continue to thrive.  Our specialized coverage extends beyond standard policies to include Unlimited Bailee with coverage included for work in process and human error as well as Boiler Coverage and Workers’ Compensation.  For more information about our program, please contact us today to learn more at (855) 764-7406.