Workers Compensation

Question 1

Coverage

Answer 1

Worker’s compensation covers injuries and illnesses that occur as a direct result of employment activities. Including but not limited to jobsite accidents, occupational diseases or repetitive motion injuries like carpal tunnel

Question 2

Exclusive Remedy Doctrine

Answer 2

Employees cannot sue employers for injuries or illnesses sustained, instead allowing for Workman’s Comp to be available.

Question 3

What is the minimum number of employees required to carry Workman’s Comp Insurance?

Answer 3

4

Question 4

Benefits Provided

Answer 4

Medical, Disability, Rehabilitation, Death

Question 5

Temporary Total Disability

Answer 5

Temporary wage replacement during time an employee is unable to work due to injury. Avg of weekly wage/state maximums

Question 6

Temporary Partial Disability

Answer 6

For workers who can do some but not all of their job duties while recovering, covers the difference of pre injury and post injury earnings.

Question 7

Permanent Partial Disability

Answer 7

If an injury results in a lasting impairment but not completely prevents an employee from working