15 Facts to Know about Workers’ Compensation Insurance

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15 Facts to Know about Workers’ Compensation Insurance There are important facts you need to know about workers’ compensation insurance. Medical review companies play a vital role in workers’ compensation cases.

Workers’ compensation is an insurance program that is designed to protect employees who get hurt or sick while on the job. Since medical records are indispensable to provide evidence regarding the injury/illness, medical record retrieval services also become highly significant. Workers’ compensation comprises five basic benefits – medical care, permanent disability benefits for workers who cannot return to work, temporary disability benefits to compensate for lost wages while the injured worker is recovering, supplemental job displacement benefits provided for skill enhancement or retraining for an injured worker who cannot return to the job he/she had before the injury, and death benefits to a spouse, children or dependents if the worker dies as a result of the job-related injury or illness. The first comprehensive law related to workers’ compensation was passed more than a century ago, and since then the legislation has changed considerably, varying from one U.S state to another. There are also differences between state and federal workers’ compensation laws. Overall, workers’ compensation claims can be rather complex. Here is a look at some interesting and important facts about current workers’ compensation laws. 1. Workers’ compensation program mandated by the state is based completely on the number of employees at the workplace and the type of industry to which the business belongs. For example, California requires workers’ compensation insurance for all employers and work situations whereas

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