1 Almost every employed Californian is protected by workers compensation for job related injuries or illness. Therefore it s important that both employer and employees understand workers compensation insurance. This guide provides general information on workers compensation insurance and offers suggestions on where to seek help with a question or problem (see listings of exhibits I, II and III). MOST FREQUENTLY ASKED QUESTIONS ABOUT WORKERS COMPENSATION Q. What is covered under a workers compensation insurance policy? A. The workers compensation insurance policy includes two separate coverages: workers compensation and employers liability. The workers compensation coverage applies to injury or disease to the employee resulting from employment. The insurance company will pay benefits to the employee specified under the law. Employers liability coverage protects the employer for employee work-related bodily injury which is not compensable under workers compensation coverage. Q. What are workers compensation benefits? A. Depending on the circumstances of the accident and/or the injury, employees may be entitled to one or more of the following benefits: Medical Care: All medical treatment necessary to cure or relieve the effects of a work-related injury or illness will be paid either by the employer or the insurance company providing coverage. This includes physician services, hospitalization, physical restoration, dental care, prescriptions, X-rays, laboratory services, and all other necessary/reasonable care ordered by the treating doctor(s).
2 Temporary Disability (TD): Paid if a physician verifies that an injured employee cannot work because of a work-related illness or injury. TD benefits are not paid for the first 3 days of work missed unless the employee is off more than fourteen days or hospitalized. The amount of TD compensation is determined by law and is twothirds of the employee s wages with a minimum of $ per week (or the actual weekly wage if that is less than $126.00) and a maximum of $ per week. Payments must be made every two weeks, for as long as the employee is eligible. TD benefits stop when the employee returns to work or the treating physician releases the employee for work or says that the injury has reached a point of maximum improvement. Permanent Disability (PD) Paid if an injury or illness results in a permanent impairment that reduces the injured workers ability to compete in the open labor market. The amount the employee will receive depends on the extent of the disability. Other factors that are considered when calculating PD include the date of injury, the age when injured, and occupation. PD benefit amounts are set by law. PD benefits are paid every two weeks until the benefit is completely paid or when the employee settles the case and receives a lump sum (See exhibit III for maximum benefit rates.) Vocational Rehabilitation (VR) Paid if it is unlikely a worker will be able to return to the usual job prior to his/her injury and the employer does not offer other work. Vocational Rehabilitation Maintenance Allowance benefits (VRMA) are paid while the employee is participating in vocational rehabilitation. VRMA is paid every two weeks for as long as the employee is eligible. The Division of Workers Compensation, Rehabilitation Unit, must approve the rehabilitation plan. The right to rehabilitation is voluntary; injured workers may accept or reject this benefit. For injuries occurring on or after January 1, 1994, there is a $16, limit on all rehabilitation benefits. Transportation Reimbursement Paid by the insurance carrier or employer for the reasonable cost of transportation incurred while obtaining medical care and rehabilitation. The injured worker is entitled to mileage from their home to place of treatment, examination or rehabilitation and back at the rate of 31 cents per mile.
3 Death Benefits Paid to qualified surviving dependents of a worker who dies from a work-related illness or injury. These benefits are paid usually at the same weekly rate as the maximum TD benefit in effect at the time of injury/illness. The maximum benefit will vary depending on the number of total and/or partial dependents. Q. Who decides where an injured employee receives medical treatment? A. The employer is responsible for arranging medical treatment for the first 30 days from the date of injury. If, prior to an injury or illness, an employee gives written notice to the employer selecting a personal physician, then the employee may go to this physician for treatment immediately after an injury. Q. Where can employees or employers get more information concerning workers compensation benefits? A. Questions about the workers compensation laws, claims process and/ or benefits should be directed to an Information and Assistance Officer at one of the district offices of the Division of Industrial Accidents, Department of Industrial Relations. (See Exhibit I for a list of the district offices). Q. What happens if an employee disagrees with the insurance company on a workers compensation claim denial? A. The employee may request assistance from an Information and Assistance Officer who will attempt to help resolve the dispute informally. If that effort fails, the employee can file an application for adjudication with the Workers Compensation Appeals Board, (WCAB). The Information and Assistance Officer may be able to assist with this filing unless the injured worker has retained a private attorney. The WCAB has exclusive jurisdiction for resolution of the dispute.
4 Q. As a sole employer or the sole owner/employee of a business, can I obtain workers compensation insurance to cover myself? A. Individual employers may be included for workers compensation at the option of the insurance company. The inclusion must be clearly stated in the policy, or by an endorsement to the policy. If an individual employer is included, the remuneration earned by such a person during the policy period will be used as the basis of premium development, subject to a specified minimum and maximum. The California Workers Compensation Uniform Statistical Reporting Plan-1995, published by the Workers Compensation Insurance Rating Bureau (WCIRB) effective January 1, 1995, establishes minimum remuneration of $22,100 and a maximum of $62,400 for this situation (Note: with Open Rating each insurer can establish its own minimum and maximum remuneration and file same with the CDI). Q. What is my status as an active partner in a business described as a partnership? Does the policy provide coverage for me in this situation? A. The definition of employee includes all working members of a partnership receiving wages irrespective of the profits from the partnership. The California Labor Code has a special provision for partners. You should refer to the policy provisions and/or consult with your agent or broker and insurer for the further details. Q. Are executive officers covered under the workers compensation policy? A. The inclusion of all corporate officers or directors is mandatory unless the corporation is solely owned by the directors and executive officers. In the latter case, the officers and directors may elect to be excluded from coverage. Again, because of special provisions in the Labor Code for executive officers of solely owned corporations, consult with the agent, broker and insurer for further details.
5 Q. What happens if my employer does not carry Workers Compensation Insurance? A. You may be able to file a claim with the Uninsured Employers Fund, (U.I.F.). This Fund is located within the Department of Industrial Relations. You should contact an Information and Assistance Officer for help in pursuing a claim with U.I.F. Q. As an employer, where can I obtain workers compensation insurance? A. You can secure workers compensation insurance from any licensed insurance company that writes this coverage in California. You may also obtain the required coverage from the State Compensation Insurance Fund. Consult your local Yellow Pages under Insurance for names of companies, agents or brokers offering coverage. Q. As an employer, can I self-insure for workers compensation claims? A. Yes, but only if you have applied for and received a Certificate of Consent to Self-Insure from the Department of Industrial Relations. The director of Industrial Relations will require a private self-insuring employer to meet certain standards before issuing this certificate. Usually, only large organizations choose to self-insure. For more information, contact the Self-Insurance Plans at the Department of Industrial Relations at (213) or (415) Q. What is the Workers Compensation Insurance Rating Bureau (WCIRB) of California? A. The Workers Compensation Insurance Rating Bureau of California sometimes referred to as the Bureau. This rating organization is organized pursuant to Article 3 of the California Insurance Code, for the following purposes:
6 1) To provide reliable statistics and rating information for workers compensation insurance and employer liability insurance. 2) To collect and tabulate information and statistics for the purpose of developing premium rates to be submitted to the commissioner for issuance or approval. 3) To formulate rules and regulations in connection with pure premium rates and the administration of classifications and rating systems. 4) To inspect risks for classification or rate purposes and to furnish to the insurer/employer information concerning the rates applicable to the employers insurance. 5) To examine policies, daily reports, and endorsements or other evidences of insurance for the purpose of determining compliance with provisions of law and to make reasonable rules governing the submission. 6) To initiate test audits of insured employers payrolls and insurer s audits of such payrolls. 7) To exchange information and experience data with rating organizations, advisory organizations, and insurers. 8) To become a member or subscriber of any lawfully authorized ratemaking or advisory organizations whenever membership in such organization is necessary or helpful.
7 COMPETITIVE RATING FOR WORKERS COMPENSATION POLICIES: WHAT DOES IT MEAN? Every insurer selling workers compensation insurance is now required to file with the California Department of Insurance (CDI) its complete manual which includes rate classifications rating plans rate deviations modification factors all applicable workers compensation rates that will be charged by the insurer The CDI can only disapprove the rates submitted after notice has been given and a hearing has been held to determine if the continued use of the rates would tend to impair or threaten the solvency of an insurer or threaten the solvency of an insurer or tend to create a monopoly in the market pursuant to section of the C.I.C. The intent behind making California a competitive rating state for workers compensation was to give the employer the benefits of competitive pricing by insurers. This in turn is expected to encourage employers small and large to be more conscientious in improving safety on the job to control losses which should translate into cheaper insurance.
8 Q. How are premiums calculated? A. First, the WCIRB groups all business and industrial operations into various occupational classifications. In 1995, over five hundred classifications existed, from advertising companies to YMCA institutions. The WCRIB calculates the rate for each classification based on the premium and loss experience of all employers in each occupational classification. The rate is expressed in the form of dollars and cents for each $100 of payroll per classification. The basic premium is calculated by multiplying the rate (for each $100 of payroll) and the amount per class. All classifications, rates and rules are specified in the California Workers Compensation Insurance Manual published annually by the WCIRB. A carrier may start with a rate for a classification and then apply credits and/or debits based on individual risk characteristics. A policy is usually issued for a term of one year or less and may also indicate the method of payment: monthly, quarterly, semi-annually or prepaid with premium due on the effective date of coverage. At the policy expiration, the insurance company may examine your payroll and the rates that have been used to determine the final audited premium. This usually results in an additional premium due the company or a return premium to be refunded or applied to the renewal policy. Q. What is experience modification? A. Based on reported paid losses, loss reserves and the premium of the policyholder for an experience period, the WCRIB uses a standard mathematical formula that has been approved by the Insurance Commissioner to generate an experience modification for each employer. An employer is subject to experience rating when the premium for a three-year period reaches a specific amount set by the WCRIB. (Effective January 1, 1995, this amount is $14,100 in pure premium; however, this figure changes periodically.) Therefore, the employer s loss experience will affect his or her premium in the form of an experience modification.
9 When an employer is subject to an experience modification, the modification must be shown on the policy and applied to the premium developed by application of basic manual rates. Additionally, an employer s premium can be further affected by the application of debits/credits for individual risk characteristics, for example, premium size, loss control programs etc. Note: all individual risk characteristic are applied before the Experience Modification. Q. What is a loss reserve? A. A loss reserve is an estimated amount of money that the insurance company sets aside to pay for a claim. Loss reserves are used to evaluate the worth of each claim, based upon the claims adjustor s judgement and experience in handling similar claims and the potential for claims payment. Insurers are required by law and WCIRB rules to establish these reserves for incurred claims. Q. What is a workers compensation surcharge? A. An insurance company may surcharge premium if it believes that additional money is needed to meet expected losses and expenses for a particular employer. Consumers should ask the insurer to provide formal documentation that reflects all the rating components used to develop their premium. Surcharges are usually applied only to highrisk activities with a higher-than-average loss potential.
10 Q. What is a minimum premium? A. Basically, minimum premium is the least amount for which the insurer is willing to insure an employer. Each insurer files its minimum premiums with the rating plan to CDI. For Example: An insurance company has set a minimum premium of $500 for your type of business. Assuming your actual payroll is only $20,000 with a manual rate of.78 per $100 of payroll, your calculated premium would be $156 ($200 X.78). But you would still pay $500 minimum premium instead of $156, since your insurance company has set its minimum premium at that level. Thus you are encouraged to shop around for the company with the lowest minimum premium if you have a small payroll. Q. Is there a penalty if I cancel my workers compensation insurance during the policy year? A. If you cancel the policy before the end of the policy term, you will pay a penalty. The premium will be based on the time the policy was in force, and increased by a standard short-rate percentage to cover company expenses. If the company cancels the policy, the premium will be based on the actual number of days it was in force (pro-rata). Also, your insurance company may charge you the minimum premium when the calculated short rate premium is less than its established minimum premium. Therefore, read your policy very carefully regarding the final determination of premium upon its cancellation. Q. What is participating policy? A. If a policy is written on participating basis, an employer may participate in the profits of the insurance company derived from its California workers compensation business in the form of a dividend. There are various types of dividend plans with different provisions and requirements. Check with your agent or company for specific details.
11 Q. Can an insurance agent or an insurance company promise or guarantee the payment of a future dividend? A. No. It is a misdemeanor for an insurance company, agent or a broker to promise the payment of future workers compensation dividends. Under California law, the insurance company s board of directors or other governing body must review the overall loss experience of the workers compensation business since its last dividend declaration. This governing body then determines whether the insurer has a surplus from which dividends may lawfully be paid. Such dividends must be declared by resolution adopted after expiration of the policy term. This declaration should specify the dividend plans, formulas or schedules to be applied. Any person who makes or causes to be made any knowingly false or fraudulent material statement or material representation for the purpose of obtaining or denying workers compensation benefits or payments is guilty of a felony. Q. What if I disagree with the classifications assigned or rates applied to my business? A. First, talk to your insurance agent or broker or the insurance company. If you disagree with their explanation, you may direct your complaint to the WCIRB (at its San Francisco address listed in Exhibit II). However, you must submit a statement of facts in writing, within twelve months after the expiration date of the policy in question, including the name of your firm, the name of your insurance carrier and the details of your complaint. The WCIRB will investigate your complaint, contact the insurance carrier, and advise you of its findings within 45 days. Q. What if I do not agree with the WCIRB s decision? A. You may direct an appeal to the Classification and Rating Committee in care of the WCIRB, and request a hearing. Hearings are held monthly, alternating between San Francisco and Los Angeles. You can write to the WCRIB to schedule a hearing date. The committee members will vote on each appeal after they have heard the case.
12 Q. What if I still dispute the Classification and Rating Committee s decision? A. If you are not satisfied with the Classification and Rating Committee s decision, you can file an appeal with the Insurance Commissioner. A department hearing officer may schedule a hearing in either the San Francisco or Los Angeles office of the Department of Insurance. Q. What should I do if I have an inquiry other than a claim or classification dispute? A. If you have an inquiry other then a claim or classification dispute, you can call the California Department of Insurance/Hotline toll free at Los Angeles area please dial (213) or write the Department of Insurance Consumer Services Division at : 300 South Spring Street Los Angeles, CA Q. What should I do if I have workers compensation claim problem? A. Workers compensation claim matters should be directed to the Department of Industrial Relations, Division of Industrial Relations, Division of Industrial Accidents, Office of Information and Assistance, at the address and phone numbers listed in Exhibit I.
13 EXHIBIT I NAME PHONE NUMBER Anaheim, N. Raymond Avenue, 1st & 2nd Floors. Appeals Board (714) Information & Assistance Unit (714) Bakersfield, th Street, Suite 100 Appeals Board (805) Information & Assistance Unit (805) Eureka, H Street, Suite 202 Appeals Board (707) Information & Assistance Unit (707) Fresno, Mariposa Street, Suite 4078 Appeals Board (209) Information & Assistance Unit (209) Grover Beach, Grand Avenue Appeals Board (805) Information & Assistance Unit (805) Long Beach, West Broadway, Suite 300 Appeals Board (562) Information & Assistance Unit (562) Los Angeles, South Broadway, Suite 4107 Appeals Board (213) Information & Assistance Unit (213)
14 Norwalk, Firestone Blvd., Suite 3001 Appeals Board (213) Oakland, Clay Street, 6th Floor Appeals Board (510) Information & Assistance Unit (510) Pomona, Corporate Center Drive, Suite 100 Appeals Board (909) Information & Assistance Unit (909) Redding, Akard, Suite 15 Appeals Board (530) Information & Assistance Unit (530) Riverside, Main Street, 3rd Floor Appeals Board (909) Information & Assistance Unit (909) Sacramento, Arden Way, Suite 230 Appeals Board (916) Information & Assistance Unit (916) Salinas, North Main Street, 1st Floor Appeals Board (831) Information & Assistance Unit (831) San Bernardino, West Third Street, Suite 640 Appeals Board (909) Information & Assistance Unit (909)
15 San Diego, Front Street, Suite 640 Appeals Board (619) Information & Assistance Unit (619) San Francisco (District Office), Van Neas Avenue Appeals Board (415) Information & Assistance San Jose, Paeso de San Antonio, Room 241 Appeals Board (408) Information & Assistance Unit (408) Santa Ana, Civic Center Plaza, Suite 451 Appeals Board (714) Information & Assistance Unit (714) Santa Barbara, State Street, Suite 102 & 103 Appeals Board (805) Information & Assistance Unit (805) Santa Monica, Ocean Park Blvd., Suite 220 Appeals Board (310) Information & Assistance Unit (310) Santa Rosa, D Street, Suite 420 Appeals Board (707) Information & Assistance Unit (707) Stockton, East Channel Street, Suite 344 Appeals Board (209) Information & Assistance Unit (209)
16 Van Nuys, Van Nuys Blvd., Suite 105 Appeals Board (818) Information & Assistance Unit (818) Ventura, Ralston Street Appeals Board (805) Information & Assistance Unit (805) Walnut Creek, Lennon Lane, Room 200 Appeals Board (925) Information & Assistance Unit (925)
17 EXHIBIT II Workers Compensation Insurance Rating Bureau (WCIRB) of California Home Office Spear Street Tower, Suite 500 One Market San Francisco, CA (415) Branch Office Pioneer #325 Santa Fe Springs, CA (310)
18 EXHIBIT III Maximum Permanent Disablility Payment PD Rating Weekly Payment Up to 14.75% $ to 24.75% $ to 69.75% $ to 99.75% $230 Minimum: $70 per week
19 TALK to US Do you have a question, comment or concern? There are several ways to talk to us: 1. Call our consumer Hotline at (800) 927-HELP Callers within the Los Angeles area please dial (213) Telecommunication Device for the Deaf dial (800) 482-4TDD 2. Write: California Department of Insurance 300 South Spring St., South Tower Los Angeles, CA us through our website at www. Insurance.ca.gov 4. or visit us in person on the 9 th Floor at the address above. Monday through Friday 8:00 AM to 5:00 PM P.S.T. Excluding Holidays
WORKERS COMPENSATION GLOSSARY ACCIDENT An unplanned and unexpected event which occurs suddenly and at a definite place resulting in injury and/or damage. ACCIDENT FREQUENCY The rate of the occurrence of
Briefing Personal Physician Predesignation and March 2006 Change of Physician Rules Approved On March 14, 2006, The California Office of Administrative Law Department approved new rules and regulations
Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS This guide is intended to provide a general, non-technical explanation to help employers
State Disability Insurance Provisions This pamphlet is for general information only, and does not have the force and effect of law, rule or regulation. DE 2515 Rev. 54 (8-06 ) (INTERNET) Cover + 5 Pages
FACTS ABOUT WORKERS COMPENSATION The Way It Was In the early 20th century, a worker injured on the job had to sue his employer to recover medical expenses and lost wages. Lawsuits took months and sometimes
NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY 2007 INTRODUCTION This booklet provides a basic explanation of how the cost of a New Jersey
English Workers Compensation Insurance 04/05 Table of Contents Workers Compensation Insurance The Evolution of Workers Compensation...................... 2 What Benefits Are Available in a Workers Compensation
What isworkers compensation? Your Guide to Workers Compensation Workers compensation is insurance that the law requires your employer to have to cover on the jobinjuries.ifyou become injuredon the jobor
State Disability Insurance Provisions This pamphlet is for general information only, and does not have the force and effect of law, rule or regulation. Cover + 4 Pages Disability is any illness or injury,
Workers' Compensation Workers compensation provides benefits to injured employees for accidents or occupational diseases arising out of, and in the course of, their employment. Compensation coverage is
DEFINING YOUR NEEDS When you buy life insurance, you want a policy which fits your needs without costing too much. Your first step is to decide how much life insurance you need, how much you can afford
INDUSTRIAL COMMISSION OF ARIZONA WORKERS COMPENSATION INFORMATION FOR THE INJURED WORKER Phoenix Office: Industrial Commission of Arizona 800 W. Washington Street Phoenix, Arizona 85007-2922 Claims Phone:
Topics Affecting Buyers of Commercial Insurance MSP C 12/2001 Workers Compensation Benefits A Primer December, 2001 Workers Compensation Insurance A Primer Workers compensation insurance is mandatory in
Introduction The Iowa Workers Compensation Act provides the only legal remedy against their employer for workers who are injured on the job. Workers Compensation law can be very technical. The law is administered
An Employee s Guide to the Missouri Workers Compensation System Missouri Department of Labor and Industrial Relations Division of Workers Compensation Important Information You may want to put names and
New Hire Notice -- Injuries Caused By Work What does workers compensation cover? You may be entitled to workers' compensation benefits if you are injured or become ill because of your job. Workers' compensation
Your Rights Under the Missouri Workers Compensation Law All states have workers compensation laws. The Missouri Workers Compensation Law is contained in Chapter 287 of the Revised Statutes of Missouri.
Workers Compensation Insurance EMPLOYERS FREQUENTLY ASKED QUESTIONS INTRODUCTION This information is intended to provide employers with a basic overview of the workers compensation system in Arizona. The
NC WORKERS COMPENSATION: BASIC INFORMATION FOR MEDICAL PROVIDERS CURRENT AS OF APRIL 1, 2010 I. INFORMATION SOURCES Where is information available for medical providers treating patients with injuries/conditions
Recover Your Unpaid Wages With the California Labor Commissioner s Office The Labor Commissioner s Office, also called the Division of Labor Standards Enforcement (DLSE), is a part of the California Department
The Commonwealth of Massachusetts Department of Industrial Accidents For injured workers WHAT IS WORKERS COMPENSATION? The Massachusetts Workers Compensation system is in place to protect you if you are
1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California
INSURANCE FACTS for Pennsylvania Consumers Your Guide to Workers Compensation Insurance 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.pa.gov Pennsylvania Insurance Department Website Introduction
16 An Employee s Guide to the South Dakota Workers Compensation System Division of Labor and Management Phone: (605) 773-3681 www.sdjobs.org Department of Labor and Regulation 700 Governors Drive Pierre,
UNIVERSITY CORPORATION, SAN FRANCISCO STATE TIME OF HIRE PAMPHLET WHAT IS WORKERS COMPENSATION? If you get hurt on the job, your employer is required by law to pay for workers compensation benefits. You
WORKERS COMPENSATION FUNDAMENTALS Know How to Navigate Your Claim Overview Workers Compensation System Rights and Responsibilities Return to Work Benefits Dispute Resolution Complaints vs Disputes 1 Workers
INDUSTRIAL COMMISSION OF ARIZONA WORKERS COMPENSATION INFORMATION FOR THE INJURED WORKER Phoenix Office: Industrial Commission of Arizona 800 W. Washington Street Phoenix, Arizona 85007-2922 Claims Phone:
Workers' Compensation in Oklahoma Employer s Rights & Responsibilities The information provided in this pamphlet is general in nature and for informational purposes only. It is not intended to be a legal
Workers' Compensation in Oklahoma Employer s Rights & Responsibilities Workers Compensation Court Counselor Program 1915 N. Stiles Avenue, Oklahoma City, OK 73105 210 Kerr State Office Bldg, 440 S. Houston,
NO: 5170 PAGE: 1 OF 8 ADMINISTRATIVE PROCEDURE CATEGORY: SUBJECT: Support Services, Safety Program Mandatory Reports for Employee Injury or Illness on the Job A. PURPOSE AND SCOPE 1. To outline administrative
AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY I. WHAT IS WORKERS COMPENSATION?... 2 II. WORKERS COMPENSATION BENEFITS... 3 III. INSURANCE REQUIREMENTS... 4 Types of Coverage Definition of Employee
WORKERS COMPENSATION HANDBOOK WHAT IS WORKERS COMPENSATION? If you get hurt on the job, your employer is required by law to pay for workers compensation benefits. You could get hurt by: One event at work.
An Injured Workers Guide to the Workers Compensation Process Table of Contents I. Claim Information A. General Information 1. What is workers compensation? 2. How do I know if I qualify for Workers Compensation?
Quick Guide to Workers Compensation What Is Workers Compensation Insurance? Workers compensation insurance covers businesses for their statutory and legal obligations for employee expenses that are a direct
Office of Information Technology Maine Employer s Mutual Insurance Company s (MEMIC) Rates The Bureau s website includes the following link to MEMIC s rates, charged per $100 of payroll for all classifications:
THE BEACON MUTUAL INSURANCE COMPANY CHARTER Rhode Island Public Laws 2003, Chapter 410, enacted August 6, 2003; as amended by Rhode Island Public Laws 2005, Chapter 117, Article16, Section10, enacted July
A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of
Nossiff & Giampa Attorneys at Law WHAT IS WORKERS COMPENSATION? The Massachusetts and New Hampshire Workers Compensation Boards are a place to make sure that workers are protected by insurance, if they
Idaho Workers Compensation Facts for Injured Workers Workers' Compensation Benefits How to Obtain Them Your Rights and Responsibilities Additional information is available online at: http://www.iic.idaho.gov
2014 Construction of Statute Definition of Injury (Causation) Revises Section 50-6-116, Construction of Chapter, to indicate that for dates of injury on or after July 1, 2014, the chapter should no longer
Guide for Injured Workers This is a guide to Oklahoma workers' compensation law and rules. It is based on laws and rules in effect in 2015. Laws and rules can change by acts of the Legislature, rulemaking
State of Utah Labor Commission Division of Adjudication 160 East 300 South, 3 rd Floor, P.O. Box 146615 Salt Lake City, Utah 84114 6615 (801) 530 6800 firstname.lastname@example.org Note: PLEASE TYPE OR PRINT CLEARLY
About Service How Your Benefit Is Calculated Formulas and Benefit Factor Service retirement is a lifetime benefit. To be eligible for a service retirement, in most cases you must be at least age 50 and
If Your Employer is Illegally Uninsured How to Apply for Workers Compensation Benefits Prepared by the Institute for Research on Labor and Employment, University of California, Berkeley For the Commission
1 / 2 TAKE CHARGE OF YOUR WORKERS COMPENSATION CLAIM As a workers compensation attorney, I advise injured workers about how the law applies to their particular workers compensation claim. I have yet to
of Workers' Compensation Systems in Select Jurisdictions JURISDICTION: WASHINGTON ENVIRONMENT Population Size 5.5 million in 1996. Labor Force 2.8 million in 1996. Demographic and Economic Indicators The
Major Developments: Last major legislation in 2004 (SB899), affected indemnity rates, disability rating, medical treatment, medical-legal disputes, penalties, and apportionment. 2007 legislation affects
An employee s guide to the Minnesota workers compensation system Workers Compensation Division P.O. Box 64221, St. Paul, MN 55164-0221 (651) 284-5005 1-800-342-5354 www.dli.mn.gov/workcomp.asp Minnesota
Benefits Guide Information for the Injured Worker The purpose of this benefits guide is to help you learn what to expect if you ever need workers compensation benefits. Recovering from a work injury can
ANNUITIES An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities: The first is when you pay a lump sum to a life insurance company, and they
Workers Compensation Claim Workers Compensation Benefit Overview California Major Developments: Last major legislation in 2004 (SB899), affected indemnity rates, disability rating, medical treatment, medical-legal
Minnesota Department of Labor and Industry Workers Compensation Division P.O. Box 64221 St. Paul, MN 55164-0221 An employee s guide to the Minnesota workers compensation system Workers Compensation Division
Acting administrative director Destie Overpeck Chief judge Richard Newman Special advisor Susan Hamilton Chief, legal counsel Destie Overpeck Executive medical director Rupali Das MD. Chief, programmatic
Arkansas Workers Compensation Questions & Answers What is Workers' Compensation? Arkansas' no-fault com pensation law was created by an initiated act in 1939 to guarantee prom pt, automatic benefits to
RE: Workers Compensation Claims Kit Dear Policyholder: Welcome to the Workers Compensation Insurance Program offered through Tower Group Companies. While we hope that your company never experiences a workers
Workers Compensation Benefits Summary For dates of injury occurring on or after July 1, 2010 through June 30, 2011 Employment Relations Division Department of Labor and Industry PO Box 8011 Helena,MT 59604-8011
Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers The information contained below is general in nature and is not intended and may not be considered as providing
Commonwealth of Massachusetts Division of Insurance Joseph G Murphy, Commissioner CONTENTS: PAGE # How to Reach Us D-1 How to File an Insurance Complaint D-1 Frequently Asked Insurance Questions (FAQ s)
Employee: Employer: Date File Social Number: of Security Injury: We are your employer's No.: informational regulations. If have attached your copy workers' of the compensation Notice of Injury, insurance
California Workers Compensation Medical Provider Network Employee Notification & Guide In partnership with We are pleased to introduce the California workers compensation medical provider network (MPN)
Workers Compensation Insurance Rating Bureau of California Study of Geographical Differences in California Workers Compensation Claim Costs Released: November 5, 2015 Ward Brooks, FCAS, MAAA Vice President,
Administrative director Destie Overpeck Chief judge Richard Newman Acting chief, legal counsel George Parisotto Executive medical director Rupali Das MD Chief, programmatic services Denise Vargas Electronic
Workers Compensation Insurance Rating Bureau of California Report on 2013 California Workers Compensation Losses and Expenses Released: June 26, 2014 Notice The 2013 California Workers Compensation Losses
Overview of the Income Benefit Structure in the Texas Workers Compensation System Texas Department of Insurance, Division of Workers Compensation 1 Workers' compensation will provide benefits if: The injury
Welcome to the West Virginia Workers Compensation Webinars! PERMANENT TOTAL DISABILITY West Virginia OFFICES OF THE INSURANCE COMMISSIONER June 20, 2008 THE PTD APPLICATION A Claimant cannot be considered
The Commonwealth of Massachusetts Department of Industrial Accidents Massachusetts Workers Compensation Guide For Injured Workers Esta guía está disponible en español en nuestro sitio de Internet: Este
A. General Policy Workers Compensation Insurance Procedures Title 42, of the South Carolina Code of Laws contains the South Carolina Workers Compensation Act. The Rules and Regulations of the South Carolina
A Guide to CalPERS Employment After Retirement This page intentionally left blank to facilitate double-sided printing. TABLE OF CONTENTS What Retirees Should Know Before Working After Retirement...2 All
Pennsylvania Workers Compensation Handbook Know Your Rights!» Workers Compensation» Social Security Disability» Long-Term Disability Introduction Chances are this booklet has landed in your hands because
Important Information about Medical Care if you have a Work-Related Injury or Illness Initial Written Employee Notification Re: Medical Provider Network (Title 8, California Code of Regulations, section
AORMA Worker s Compensation Claims Review and Loss Control Strategies January 19, 2013 Cindy Parker Vice President of Operations Sedgwick Claims Management Services Brent Escoubas, CSP Vice President Alliant
This pamphlet, or a similar one that has been approved by the Administrative Director, must be given to all newly hired employees in the State of California. Employers and claims administrators may use
Date submitted STATE OF UTAH UTAH LABOR COMMISSION DIVISION OF INDUSTRIAL ACCIDENTS APPLICATION FOR SELF INSURANCE Name: FEIN# Applicant Organization Name hereby applies for the privilege of being a self-insurer
THE EMPLOYEE S ROLE: When an Employee is Injured on the Job Human Resources Management Workers Compensation Program August 16, 2010 This guidebook gives an overview of the California workers compensation
Nebraska Workers Compensation Court Information Sheet: Rights & Obligations under the Nebraska Workers Compensation Law NEBRASKA WORKERS COMPENSATION COURT OFFICIAL SEAL What is workers compensation? Workers