Workers Compensation 101. Dave Young EMC Insurance Companies

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Workers Compensation 101. Dave Young EMC Insurance Companies"

Transcription

1 Workers Compensation 101 Dave Young EMC Insurance Companies

2 Outline I. Brief history of Workers Compensation Insurance II. What does Workers Compensation do? III. Calculation of the Workers Compensation premium IV.Workers Compensation Experience Modifier V. What can be done to reduce Workers Compensation costs? VI.Upcoming changes to the Workers Compensation Experience Modifier formula

3 History of Workers Compensation in Wisconsin Before 1911, the only recourse to a worker who was injured in the course of his or her employment was to sue his or her employer in a civil or "tort" action, which was the same remedy available to a person injured under other circumstances. The tort remedy, however, had a major problem: it required the worker to prove that the injury occurred because the employer was negligent. In tort actions the employer had three almost unbeatable common law defenses: (1) that the worker was also negligent, (2) that the worker knew of the dangers involved and "assumed the risk," or (3) that the injury occurred because of the negligence of a "fellow employee." Under this system it was very difficult for workers to recover against their employers. If they won, however, there were no dollar limits on what a jury could award.

4 History of Workers Compensation in Wisconsin In 1911, Wisconsin adopted a Workmen's Compensation Act. This remedy is essentially a "no-fault" system under which a worker no longer has to prove negligence on the part of the employer, and the employer's three common law defenses are eliminated. The intent of the law was to require an employer to promptly and accurately compensate a worker for any injury suffered on the job, regardless of the existence of any fault or whose it might be. In return, the WC Act limited the amount of money that a worker could recover. Thus, workers are only entitled to: certain wage loss benefits, the cost of medical treatment, certain disability payments and payments for vocational rehabilitation retraining.

5 Who is Covered by WC You must have Worker's Compensation to be in business if: Usually employ three or more full-time or part-time employees. Employ one or more full-time or part-time employees to whom you have paid combined gross wages of $500 or more in any calendar quarter for work done at one or more locations in Wisconsin If you are a farmer who employs 6 or more workers on the same day for any 20 days during the calendar year. Out-of-state employers must have worker's compensation insurance if they have employees working in Wisconsin. The policy must be with an insurance company licensed to write in Wisconsin and endorsed to name Wisconsin as a covered state.

6 What About Volunteers? The Wisconsin Worker s Compensation Act does not provide for worker s compensation coverage for volunteers, including volunteers of non-profit organizations that receive money or other things of value totaling not more than $10.00 per week. A volunteer is a person who provides services of his or her own free will to or on behalf of an organization or entity who neither receives nor expects to receive any kind of pay or compensation for his or her services. Volunteers status may be changed to employee status if the worker receives or expects to receive compensation (almost anything of value including discounts, certificates, credits, vouchers, etc.) in exchange for his or her services.

7 Independent Contractors Under s (8), Wis. Stats., a person is required to meet a nine-part test before he or she is considered an independent contractor rather than an employee. If the nine-part test cannot be proven, your Workers Compensation insurance coverage will be extended to those workers.

8 Independent Contractors To be considered an independent contractor and not an employee, an individual must meet and maintain all nine of the following conditions: 1. Maintain a separate business 2. Obtain a Federal Employer Identification number from the Federal Internal Revenue Service (IRS) or have filed business or self-employment income tax returns with the IRS based on the work or service in the previous year. 3. Operate under specific contracts. 4. Be responsible for operating expenses under the contracts. 5. Be responsible for satisfactory performance of the work under the contracts. 6. Be paid per contract, per job, by commission or by competitive bid. 7. Be subject to profit or loss in performing the work under the contracts. 8. Have recurring business liabilities and obligations. 9. Be in a position to succeed or fail if business expense exceeds income.

9 WC Benefits to the Injured Worker Coverage of all reasonable and necessary medical expenses. Benefits for temporary wage loss during the healing period - temporary partial disability (TPD) or temporary total disability (TTD) are provided to sustain an employee while recovering from an injury. TPD means that the injured workers is only able to do some type of limited work for a short period of time and that further recovery is expected while TTD means that a person is unable to do any type of work for a temporary period of time. Workers' compensation payments are usually paid while the injured worker is out of work. Benefits for TTD due to disability are based on two-thirds of the employee s wage up to a specified maximum amount for the year of injury.

10 WC Benefits to the Injured Worker Benefits for permanent partial disability (PPD) or permanent total disability (PTD) are paid if the employee does not fully recover from the injury. Permanent disability is awarded for the potential or actual loss of earning capacity. The amount of benefit payment for permanent disability depends on the severity of the permanent disability. PPD means the permanent loss of use or function of any portion of the body while PTD means the loss of use or function of any portion of the body in combination with any preexisting disability that permanently prevents the worker from regularly performing gainful and suitable work. Vocational rehabilitation and retraining. If a death occurs, death benefits and burial expense will be paid to qualified beneficiaries up to specified limits.

11 Injured Workers Responsibilities In the event you are hurt at work or become ill, it is your responsibility to: Tell your supervisor that you are hurt immediately, even if you think your injury is minor and will heal without medical attention. Obtain any necessary medical attention, which may be getting first aid, seeing a doctor or going to the emergency room. Maintain all relevant medical and payment records for possible future use.

12 Employer and Insurance Carrier Responsibilities It is your employer's responsibility to report your injury/illness to his/her insurance carrier. The insurance carrier will then report your injury/illness to the Wisconsin Worker's Compensation Division. The insurance carrier will pay for reasonable and necessary medical expenses. If your doctor authorizes you off of work for more than three days, you will receive compensation for lost wages. If you are due compensation for your injury or illness: You should receive a check from your employer's insurance carrier generally within 14 days after your injury/illness.

13 Who Sets WC Costs?

14 Cost of Workers Compensation Chapter 626, Wis. Stats. is part of the Wisconsin Insurance Laws. It licenses the Wisconsin Compensation Rating Bureau (WCRB) and sets all of the rules, regulations and procedures relating to the classification of employers and worker s compensation rates. The WCRB is not a State agency. The WCRB is an unincorporated association of insurers who, by law, must be members of the WCRB.

15 Workers Compensation Subject Premium Worker s Compensation premiums are determined by multiplying a manual rate times the amount of payroll remuneration, measured in $100 components, times any experience rating modification applicable. Rates are established by the WCRB, based on employment classifications (fixed amount) Your payroll numbers are used (fixed amount) Subject Premium = (Payroll X Rate) / 100

16 Rate Examples Expressed in terms of: $ per $100 of payroll 2710 Sawmills $ Landscaping Gardening $ Sheet Mtl. Work Shop $ Carpentry shop $ Furniture Mfg. Wood $ Machine Shops $ Printing $ Paper Mfg. $ (School: Professional Employee) $ (School: All Other) $ 5.15

17 Workers Compensation Modified Premium Modified Premium = Subject Premium X Experience Mod Experience rating uses the historical loss experience of the individual employer as a predictor of future losses to adjust the premium the employer pays. Under experience rating, the premium of individual employers will be adjusted upward or downward by an experience modification factor. If an employer s actual past losses are greater than the expected average losses for all employers in the same business or industry, then an experience rating surcharge (or debit) will be applied to the policy and the employer s overall premium will be increased. If the converse is true and the employer s actual losses are lower than the expected average employer s losses, a rating credit is assigned and the employer will pay a lower overall cost.

18 The Experience Modifier Based on the last 3 complete years of Workers Compensation Claims Uses Total Incurred losses, includes reserves on open claims Even with no losses during the 3 year rating period, there is a minimum Mod There is a calculated Mod cap Medical only claims are discounted by 70% Only the first $5000 of indemnity claims goes directly into the calculation (split point) There is a $171,000 cap on Actual Incurred Losses

19 The Experience Modifier Actual Losses Expected Losses Because the Experience Modifier is based on your specific workers compensation loss history, it is the only variable part of premium calculation. Reducing your losses will reduce your WC premium Increasing losses will cause your WC premium to rise

20 Experience Modification Formula Total A = Actual Losses Total B = Expected Losses An Experience Mod of 1.00 means your losses are average for a school with similar payroll and your premium will not be affected.

21 Example Yourtown School District, Yourtown Wisconsin # Students 3000 # Employees 360 # Buildings 6 (4 elementary schools, 1 middle school, 1 high school Workers Compensation Policy Policy Period 7/1/2012 7/1/2013 Payroll 8868 (School: Professional Employee) - $16,000, (School: All Other) 1,200,000 Rates 8868 $0.53/$100 of payroll $5.15/$100 of payroll Subject Premium $84, $61,800 Total $146,600

22 Example $250,000 Work Comp Claims by Exp Year Claim $ Claim Count $222, $200,000 $150,000 $204, $177, Claim Data $0 Claims 126 claims Med Only 46 claims MO $ Incurred - $187,657 M+I > $ claims M+I > $ $319,299 $100,000 $80, Totals 3 Yr Range 172 Claims $506,956 Incurred $50, $25,493 $

23 Example Expected Loss Calculations

24 Example Experience Rating Summery Information A B C D Policy Yr Actual Incurred Losses* Primary Actual Losses Expected Losses 08/ / / Totals * Reflects 70% reduction on Med Only claims Actual Excess E= A-B Expected Excess F=C-D Weighting Value G 0.2 Balast Value H Experience Mod Formula B + (EXG) + (1-G)XF + H D + (FXG) + (1-G)XF + H Experience Modification 1.32 Primary Expected Losses Subject Premium = $146,600 Experience Mod = 1.32 Modified Premium = $193,512

25 Example Effects of the Experience Modifier Min Mod Pts to 1 Pts over 1 Min Premium Premium to 1 Premium > $46, $42,514 $104,086 Variable Mod Points = 0.61 Variable Premium = $89,426

26 Example Effects of the Claims on the Mod Mod Points 0.04 Premium $5, (1) 2008(2) Med Only Fixed Year Act Inc $ Mod Pt Premium 2008(1) $ $ (2) $ $ $ $ $ $7330 $104,086 $21,990 $17,592 $7, (1) 2008(2) Med Only $ $36650 Fixed $ Totals $ $ $36,650 Med Only Fixed

27 Who doesn t want cash back?

28 What Can You Do To Reduce Your Experience Modifier? Add An Accident Reduction Process to Your Safety Program Accident Investigation Return to Work

29 Accident Reduction Process

30 Accident Reduction Processes

31 Accident Reduction Example As you walk around Yourtown school buildings it is common to see teachers standing on chairs, desks and other devices to place items on walls and access storage on top of cabinets. Yourtown school district has several accidents related to this practice that resulted in workers compensation claims. Does your current safety program address this practice? What could be done to eliminate this hazard? What effect could this have on the experience modifier?

32 Accident Reduction Example Lets assume that the large medical & indemnity claim from 2009 was a fall from a chair. Remember the cost? $17,592 in additional WC premium If just 1 serious claim is avoided through accident reduction is it worth it?

33 Accident Investigation A formal process used to review accidents and near miss situations.

34 Accident Investigation The goals of accident investigation are: Find the root cause(s) Take the appropriate corrective action(s) Prevent a similar accident/incident from happening again No accident investigation has ever changed what has already happened Accident investigation should not assign blame, it should identify breakdowns in the safety process

35 Benefits of Accident Investigation Prevent future accidents by identifying and eliminating hazards Expose deficiencies in process and/or equipment Maintain worker morale Greater safety awareness Facts gathered in the event of litigation Reduce injury and worker compensation costs

36 Accident Investigation Example A food service worker for Yourtown School District was injured during the 2008/2009 school year while cleaning filters in the exhaust hood system. The injury was serious and resulted in a torn rotator cuff, surgery, and extended time away from the job. The cost of the claim was $149,678. What was this employee doing to get so severely injured? If no investigation of this incident occurs, could a similar accident happen in the future? Let s investigate!

37 Accident Investigation Example Interview the injured worker Interview the supervisor Determine: Direct causes - Unplanned release of energy or hazardous materials Indirect causes - Unsafe acts and/or unsafe conditions Root causes - Policies and decisions, personal factors, environmental factors

38 Accident Investigation Example Direct Cause(s) Cart Moved resulting in loss of balance and fall Indirect Cause(s) Use of an inappropriate climbing device Why? Because that s the way we have always done this Root Cause(s) Appropriate climbing device not provided No procedure in place No training on proper procedure

39 Accident Investigation Example Remember the cost? $21,990 in additional WC Premium If future occurrence of this activity is eliminated through accident investigation is it worth it?

40 Return To Work An early return to work (RTW) program is an organized system that aims to bring injured or disabled employees safely back to work as soon as they are able. Transitional work duties are matched to the injured worker s abilities by their physician for a specific time frame, allowing the worker to rejoin the workplace sooner an advantage to both the employer and the employee.

41 Return To Work RTW programs can help your organization effectively manage situations that involve workers compensation and employee health concerns. Benefits of a timely and medically-approved return to work program may include: Quicker recovery rates Supervision of injured employee activities, staying within restrictions Positive effect on Workers Compensation premium through reduced medical and indemnity costs

42 Return To Work Example Yourtown School District has a policy of not accepting injured workers back to work until they are at the end of the healing process and can perform 100% of their jobs. There are 3 claims in the loss history that resulted in significant medical bills and time away from the job but were not serious enough that the injured workers could not have been brought back on modified duty. Year Act Inc $ Mod Pt Premium 2008(1) $ $ $ $ $ $7330 The combined effect on the Workers Compensation premium was $30,786. Could Return To Work change that effect?

43 Return To Work Example Remember, although an injury may be significant and require medical attention, if the injured employee is able to return to the job within 3 days, even if in a limited capacity, the indemnity portion of the claim can be eliminated. Also recall that Medical Only claims are reduced by 70% in the Experience Mod calculation. Here s the effect on the Experience Mod from the same 3 claims assuming they were Medical Only, even keeping the $ amounts the same Year Act Inc $ Mod Pt Effect Premium Effect 2008(1) $ $ $ $ $ $5464 The combined effect is a reduction of 0.15 Experience Mod points and a premium reduction of $21,590. Is that worth the effort to manage a Return to Work program?

44 Changes in the Mod Calculation Effective in October this year the split point (amount of the claim $ that is used to calculate Actual Excess in the WCRB formula) will be raised from $5000 to $10,000. Why? The split point calculation has remained the same for over 20 years but medical expenses have risen greatly in that same time, creating artificially low calculated Experience Modifiers Potential effects: Employers who would have had an experience modifier of around 1.00 will see little if no effect. Employers who would have had an experience modifier significantly less than 1.00 will see an even greater credit. Employers who would have had an experience modifier significantly more than 1.00 will see an even greater debit.

45 Examples w/ Split Pt Change

46 Examples w/ Split Pt Change

47 Conclusions Workers Compensation insurance is an important part of our State Law that protects employees who are injured on the job from being significantly affected monetarily. The Experience Modifier is the only variable part of the Workers Compensation premium calculation. Workers compensation claim experience can greatly affect Workers Compensation cost, both positively and negatively. You can have an effect on your school district s Workers Compensation cost by implementing: Accident Reduction Processes Accident Investigation Return to Work

48 Questions?

Quick Guide to Workers Compensation

Quick Guide to 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

More information

SOLE PROPRIETORS UNDER THE WISCONSIN WORKER S COMPENSATION ACT

SOLE PROPRIETORS UNDER THE WISCONSIN WORKER S COMPENSATION ACT SOLE PROPRIETORS UNDER THE WISCONSIN WORKER S COMPENSATION ACT Department of Workforce Development Worker s Compensation Division Bureau of Insurance Programs 201 E. Washington Ave., Rm. C100 P.O. Box

More information

Quick Guide to Workers Compensation for Small Business

Quick Guide to Workers Compensation for Small Business Quick Guide to Workers Compensation for Small Business Do I Need Workers Compensation Coverage? Generally speaking, businesses must obtain workers compensation coverage if they have employees that are

More information

Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS

Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS 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

More information

Your Rights Under the Missouri Workers Compensation Law

Your Rights Under the Missouri Workers Compensation Law 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.

More information

INTRODUCTION GENERAL INFORMATION

INTRODUCTION GENERAL INFORMATION Workers Compensation Benefits Summary For dates of injury occurring on or after July 1, 2013 through June 30, 2014 Employment Relations Division Department of Labor and Industry PO Box 8011 Helena, MT

More information

CHAPTER 1. Wyoming Workers Compensation. Workers Compensation Programs Benefit Injured Workers and Employers

CHAPTER 1. Wyoming Workers Compensation. Workers Compensation Programs Benefit Injured Workers and Employers CHAPTER 1 Wyoming Workers Compensation Workers Compensation Programs Benefit Injured Workers and Employers Injured workers receive medical and lost wage benefits, regardless of fault. Employers receive

More information

WORKER'S COMPENSATION INSURANCE FOR EMPLOYERS

WORKER'S COMPENSATION INSURANCE FOR EMPLOYERS CONSUMER'S GUIDE TO WORKER'S COMPENSATION INSURANCE FOR EMPLOYERS PI-065 (R 12/2008) State of Wisconsin Office of the Commissioner of Insurance P.O. Box 7873 Madison, WI 53707-7873 Web site address: oci.wi.gov

More information

GEORGIA WORKERS COMPENSATION BASICS Michael Memberg Ken David & Associates, LLC

GEORGIA WORKERS COMPENSATION BASICS Michael Memberg Ken David & Associates, LLC This article presents general guidelines for Georgia nonprofit organizations as of the date written and should not be construed as legal advice. Always consult an attorney to address your particular situation.

More information

Workers Compensation Optimal Claims Management

Workers Compensation Optimal Claims Management OVERALL OBJECTIVE - ECM seeks to provide a consultative relationship in which we work with our clients to influence and improve their Risk Management Process. Following are a few suggestions regarding

More information

WORKERS COMPENSATION EXPERIENCE MODIFICATION FACTOR. For All That Matters

WORKERS COMPENSATION EXPERIENCE MODIFICATION FACTOR. For All That Matters WORKERS COMPENSATION EXPERIENCE MODIFICATION FACTOR For All That Matters WHAT S A WORKERS COMPENSATION EXPERIENCE MODIFICATION FACTOR? Your Work Comp Experience Modification Factor (E-Mod) is a primary

More information

2. any person whose employment is not in the trade, business, profession or occupation of the employer, unless the employer opts to cover them.

2. any person whose employment is not in the trade, business, profession or occupation of the employer, unless the employer opts to cover them. DOMESTIC SERVANTS & HOME-CARE PROVIDERS AND WORKER S COMPENSATION IN WISCONSIN Department of Workforce Development Worker s Compensation Division Bureau of Insurance Programs 201 E. Washington Ave., Rm.

More information

Wisconsin Contractors Institute. Worker s Compensation Laws

Wisconsin Contractors Institute. Worker s Compensation Laws Wisconsin Contractors Institute Worker s Compensation Laws For more information: Website: www.wicontractorsinstitute.com Email: questions@wicontractorsinstitute.com Phone: 262-293-6850 Chapter 5 - Wisconsin

More information

Rights & Obligations under the Nebraska Workers Compensation Law

Rights & Obligations under the Nebraska Workers Compensation Law 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

More information

WORKER'S COMPENSATION INSURANCE FOR EMPLOYERS

WORKER'S COMPENSATION INSURANCE FOR EMPLOYERS CONSUMER'S GUIDE TO WORKER'S COMPENSATION INSURANCE FOR EMPLOYERS State of Wisconsin Office of the Commissioner of Insurance P.O. Box 7873 Madison, WI 53707-7873 Web site address: oci.wi.gov PI-065 (R

More information

YOUR WORKERS COMPENSATION BENEFITS

YOUR WORKERS COMPENSATION BENEFITS YOUR WORKERS COMPENSATION BENEFITS 1 I M INJURED. NOW WHAT? No one ever plans to get hurt on the job. But when an unfortunate incident occurs, Montana State Fund (MSF) and your employer want to make sure

More information

Guide for Injured Workers

Guide for Injured Workers 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

More information

Controlling WWWWoer Workers Compensation Claims

Controlling WWWWoer Workers Compensation Claims Premiums paid here, stay here to keep Wisconsin strong. Controlling WWWWoer Workers Compensation Claims Presented By: Sheila K. McGraw Director of Claims To The: Wisconsin Towns Associations Annual Convention

More information

Volunteer Return to Work

Volunteer Return to Work Volunteer Return to Work Volunteer Modified Duty Handbook Workers Compensation Fund toll-free: 1.800.446.2667 web: www.wcfgroup.com Although preventing injuries is the best way to control workers compensation

More information

National Business Group on Health DATA DICTIONARY. Workers Compensation

National Business Group on Health DATA DICTIONARY. Workers Compensation National Business Group on Health DATA DICTIONARY Workers Compensation EMPAQ Workers Compensation (WC) Metrics Metric Calculation Annual Claim Incidence per 100 FTEs Total Number of New WC Indemnity Claims

More information

Workers' Compensation Insurance Purchasing Guide

Workers' Compensation Insurance Purchasing Guide Workers' Compensation Insurance Purchasing Guide Introduction to the Workers' Compensation Insurance Buying Process What s inside: Trends Types Terms & Criteria Choosing a Provider Businesses that have

More information

I ve been hurt at work. What do I do / to whom must I give notice of my accident and by what date?

I ve been hurt at work. What do I do / to whom must I give notice of my accident and by what date? WORKER: I ve been hurt at work. What do I do / to whom must I give notice of my accident and by what date? In general, you must give your employer or your supervisor written notice within 15 days after

More information

INTRODUCTION GENERAL INFORMATION

INTRODUCTION GENERAL INFORMATION 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

More information

DEFENSE BASE ACT PROGRAM

DEFENSE BASE ACT PROGRAM DEFENSE BASE ACT PROGRAM Thank you for your recent request for information on the Defense Base Act Insurance. We hope that the following summary will aid you in understanding DBA coverage. Rutherfoord

More information

C L A I M S M A N A G E M E N T & M I T I G A T I O N - W O R K I N J U R I E S I N T H E T R U C K I N G I N D U S T R Y M a y 6, 2 0 1 5

C L A I M S M A N A G E M E N T & M I T I G A T I O N - W O R K I N J U R I E S I N T H E T R U C K I N G I N D U S T R Y M a y 6, 2 0 1 5 C L A I M S M A N A G E M E N T & M I T I G A T I O N - W O R K I N J U R I E S I N T H E T R U C K I N G I N D U S T R Y M a y 6, 2 0 1 5 T H E D E A D L I E S T J O B S S T AG G E R I N G N U M B E

More information

Legislative Update. legal challenge to new law. significant changes to oklahoma work comp

Legislative Update. legal challenge to new law. significant changes to oklahoma work comp Quality Insight for Your Industry Legislative Update significant changes to oklahoma work comp Since our last Legislative Update on the new Workers' Compensation system in Oklahoma, the NCCI filed a 12.9%

More information

The National Pay-As-You-Go Workers Compensation Program. Workers Compensation Training

The National Pay-As-You-Go Workers Compensation Program. Workers Compensation Training The National Pay-As-You-Go Workers Compensation Program Workers Compensation Training Introduction Workers compensation is a benefit mandated by laws in all 50 states, the District of Columbia, Puerto

More information

NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY

NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY 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

More information

WORKERS COMPENSATION PROCEDURES FOR NAF SUPERVISORS EMERGENCY KIT

WORKERS COMPENSATION PROCEDURES FOR NAF SUPERVISORS EMERGENCY KIT WORKERS COMPENSATION PROCEDURES FOR NAF SUPERVISORS EMERGENCY KIT 1 TABLE OF CONTENTS GENERAL INFORMATION 3 SUPERVISOR RESPONSIBILITIES 3 EMPLOYEE RESPONSIBILITIES & BENEFITS 4 REDUCTION OF COSTS 4 "IN

More information

WORKERS COMP 101. Presented by: PGCS/PRU & PGIT

WORKERS COMP 101. Presented by: PGCS/PRU & PGIT WORKERS COMP 101 Presented by: PGCS/PRU & PGIT Discussion Employee Assistance and Ombudsman The Injured Worker The Employer The Insurance Carrier Treating Physician(s) Benefits Calming Claims Light Duty

More information

Workers Compensation Program Review and Approval Authority

Workers Compensation Program Review and Approval Authority July 2003 Workers Compensation Program Review and Approval Authority Prepared and Edited by: Assistant Director Date UM Workers Compensation Manager Date Reviewed and Approved by: Chair - UM E, H & S Operations

More information

What Happens After I Report the Injury?

What Happens After I Report the Injury? 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

More information

WORKERS COMPENSATION GLOSSARY

WORKERS COMPENSATION GLOSSARY 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

More information

INJURED ON THE JOB? A SUMMARY OF THE RIGHTS AND BENEFITS AVAILABLE TO INJURED WORKERS UNDER ILLINOIS LAW

INJURED ON THE JOB? A SUMMARY OF THE RIGHTS AND BENEFITS AVAILABLE TO INJURED WORKERS UNDER ILLINOIS LAW INJURED ON THE JOB? A SUMMARY OF THE RIGHTS AND BENEFITS AVAILABLE TO INJURED WORKERS UNDER ILLINOIS LAW Law Offices ANESI, OZMON, RODIN, NOVAK & KOHEN, LTD 161 NORTH CLARK STREET AT RANDOLPH 21ST FLOOR

More information

Workers Compensation. Are Costs Controllable?

Workers Compensation. Are Costs Controllable? Workers Compensation Are Costs Controllable? Your WC Risk Costs Has your WC premium gone down in recent years? Has your WC premium stayed the same? Has your WC premium gone up in recent years? Are you

More information

Northwest Territories and Nunavut 06.03

Northwest Territories and Nunavut 06.03 POLICY STATEMENT The Workers Safety and Compensation Commission (WSCC) provides monthly pension payments to workers with a permanent disability resulting from a work-related injury or disease. In the case

More information

7-48 (a) PERSONNEL COMPENSATION REGULATION. 7-48 Workers' Compensation. A. Purpose

7-48 (a) PERSONNEL COMPENSATION REGULATION. 7-48 Workers' Compensation. A. Purpose (a) 7-48 Workers' Compensation A. Purpose 1. The purpose of the Virginia Workers' Compensation Act is to provide compensation to employees for the loss of their opportunity to engage in work when their

More information

Provided By AdvisorNet Benefits Workers Compensation Employee Benefits

Provided By AdvisorNet Benefits Workers Compensation Employee Benefits Provided By AdvisorNet Workers Compensation Employee Minnesota s workers compensation laws determine the benefits available to employees who are injured in the course and scope of employment. An injury

More information

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY 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

More information

Workers Compensation 101

Workers Compensation 101 Workers Compensation 101 Terminology, Concepts and Principles Melissa LeRoy VP Sales Specialty Risk Services Definition Workers Compensation State-mandated, employer-provided provided coverage in all 50

More information

Manage Your EMR: Why Ex Mods Are A Poor Safety Measurement And What You Can Do About It!

Manage Your EMR: Why Ex Mods Are A Poor Safety Measurement And What You Can Do About It! Dave Smith & Company Manage Your EMR: Why Ex Mods Are A Poor Safety Measurement And What You Can Do About It! The EMR (Workers Compensation Insurance Experience Modification Rating) continues to be used

More information

Guide for Employers. Introduction: What is Workers' Compensation? Payments for wages lost as a result of work-related injuries or illnesses;

Guide for Employers. Introduction: What is Workers' Compensation? Payments for wages lost as a result of work-related injuries or illnesses; Guide for Employers 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 by

More information

2013 Nuts & Bolts Seminar Coralville

2013 Nuts & Bolts Seminar Coralville 2013 Nuts & Bolts Seminar Coralville LITIGATION TRACK Work Comp 101 2:30 pm.-3:30 p.m. Presented by Tim Semelroth RSH Legal 425 Second Street SE, Suite 1140 Cedar Rapids, Iowa 52401 Phone: 319-365-9200

More information

E-COMP, The National Workers Compensation Program. Workers Compensation Training, For the Employer

E-COMP, The National Workers Compensation Program. Workers Compensation Training, For the Employer E-COMP, The National Workers Compensation Program Workers Compensation Training, For the Employer Introduction Workers compensation is a benefit mandated by laws in all 48 of the 50 states (Texas and New

More information

CHAPTER 30: EMPLOYEE INJURIES

CHAPTER 30: EMPLOYEE INJURIES CHAPTER 30: EMPLOYEE INJURIES INTRODUCTION TO JOB SAFETY Our legal system has developed three ways of handling employee injuries: A. NEGLIGENCE SUITS Was developed under common-law where the injured employee

More information

Cooper Hurley Injury Lawyers

Cooper Hurley Injury Lawyers Cooper Hurley Injury Lawyers 2014 Granby Street, Suite 200 Norfolk, VA, 23517 (757) 455-0077 (866) 455-6657 (Toll Free) YOUR RIGHTS WHEN YOU ARE INJURED ON THE RAILROAD Cooper Hurley Injury Lawyers 2014

More information

Workers Compensation and Employers Liability (Lecture 13)

Workers Compensation and Employers Liability (Lecture 13) Workers Compensation and Employers Liability (Lecture 13) Overview of Lecture 13 (Chapter 9, CPCU 4) I. Introduction II. III. IV. Employers Liability Under Common Law State Workers Compensation Laws Workers

More information

RIGHT Lawyers. Stacy Rocheleau, Esq. Gary Thompson, Esq.

RIGHT Lawyers. Stacy Rocheleau, Esq. Gary Thompson, Esq. rightlawyers.com RIGHT Lawyers Right Lawyers has successfully represented numerous clients in the areas of car accidents, work injuries, and slip and falls. The goal of this guide is to provide you answers

More information

Workers Compensation and Employers Liability

Workers Compensation and Employers Liability Workers Compensation and Employers Liability Overview of Chapter 9, CPCU 4 I. Introduction II. III. IV. Employers Liability Under Common Law State Workers Compensation Laws Workers Compensation and Employers

More information

Arkansas Workers Compensation Questions & Answers

Arkansas Workers Compensation Questions & Answers 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

More information

Corporate Consulting Services, Ltd. Workers Compensation in Today s Environment

Corporate Consulting Services, Ltd. Workers Compensation in Today s Environment Corporate Consulting Services, Ltd. Workers Compensation in Today s Environment 2014 Corporate 2014 Corporate Consulting Consulting Services, Services, Ltd. Ltd. Forces Impacting Workers Compensation Today

More information

Comparative Review of Workers Compensation Systems in Select Jurisdictions SASKATCHEWAN

Comparative Review of Workers Compensation Systems in Select Jurisdictions SASKATCHEWAN of Workers Compensation Systems in Select Jurisdictions JURISDICTION: SASKATCHEWAN ENVIRONMENT Population Size Labour Force Demographic and Economic Indicators 1,015,600 (1995, Stats Canada) 494,000 (1995,

More information

Workers' Compensation

Workers' Compensation 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

More information

Vermont State Employee s Guide To Worker s Compensation And Injury Prevention

Vermont State Employee s Guide To Worker s Compensation And Injury Prevention Vermont State Employee s Guide To Worker s Compensation And Injury Prevention TABLE OF CONTENTS General Information 2 Claims Team 2 The First Twenty-One Days 3 Workplace Safety 4 Medical Benefits and Expenses

More information

Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs)

Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs) Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs) This Guide was developed to provide you with valuable information regarding our managed care program,

More information

SAFETY GUIDANCE MATERIAL

SAFETY GUIDANCE MATERIAL SAFETY GUIDANCE MATERIAL SAFETY MANAGEMENT MONDAY MARCH 23,GUIDANCE 2015 This safety resource was written for the scrap industry by the scrap industry and was developed to assist you in making your scrap

More information

SOUTH CAROLINA BAR. Workers Compensation and the Law

SOUTH CAROLINA BAR. Workers Compensation and the Law SOUTH CAROLINA BAR Workers Compensation and the Law WORKERS COMPENSATION The South Carolina Workers Compensation Act provides a system for workers injured on the on the job to receive medical care and

More information

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL

More information

Workers Compensation Insurance

Workers Compensation Insurance 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

More information

FELA Railroad Injuries

FELA Railroad Injuries FELA Railroad Injuries Mark A. Anderson Contents FELA and the Legal Rights of Injured Railroad Workers...1 Cases Eligible Under FELA...2 The Railroad Company's Liability...4 Dealing With Your Employer

More information

Workers Compensation Employee Benefits

Workers Compensation Employee Benefits Provided By The Holmes Organisation Workers Compensation Employee The Florida Workers Compensation Law (FWCL) regulates the determination and payment of benefits for injured employees in the state. An

More information

WORKERS COMPENSATION QUICK FACTS

WORKERS COMPENSATION QUICK FACTS The Workers' Compensation Handbook // 1 WORKERS COMPENSATION QUICK FACTS Workers Compensation Quick Facts contains general information about the workers compensation system in New Mexico, to provide employers

More information

Purpose of the Policy Who Needs to Know This Policy The University s Obligations Supervisor/Human Resources Officers Obligations

Purpose of the Policy Who Needs to Know This Policy The University s Obligations Supervisor/Human Resources Officers Obligations New York University University Policy Title: Workers Compensation Policy and Procedure Effective Date: 01/01/2011 Last Revised: 03/07/2013 Issuing Authority: Office of the Executive Vice President Responsible

More information

Workers Compensation (WC)

Workers Compensation (WC) Workers Compensation (WC) A. WC: What It Is B. WC: Why You Need It C. WC: Who It Covers D. WC: What It Costs E. WC: Claims F. WC: Audits G. WC: How To Buy It H. WC: 10 Good Things To Ask About WC (A) What

More information

UNDERSTANDING WORKERS COMPENSATION

UNDERSTANDING WORKERS COMPENSATION This brochure was prepared by the Washington State Association for Justice (WSAJ) as a guide to help the citizens of Washington State understand their rights. Established in 1953, WSAJ represents attorneys

More information

Georgia Workers Comp Basics: Non-Profits are Employers, Too. Michael E. Memberg, Esq. September 19, 2012

Georgia Workers Comp Basics: Non-Profits are Employers, Too. Michael E. Memberg, Esq. September 19, 2012 Georgia Workers Comp Basics: Non-Profits are Employers, Too Michael E. Memberg, Esq. September 19, 2012 Mission of Pro Bono Partnership of Atlanta: To provide free legal assistance to community-based nonprofits

More information

Employer s Handbook. Workers Compensation

Employer s Handbook. Workers Compensation Employer s Handbook Workers Compensation Workers Compensation 101 Table of Contents Contact Information. 3 What is Workers Compensation?... 4-5 What is your role?... 6-7 Workers Compensation Benefits 8-9

More information

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 2 June 10,

More information

WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS

WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS FOR MEMBERS OF THE Chicago Teachers Union 111 East Wacker Drive, Suite 2600, Chicago, Illinois 60601 312-861-1800; fax, 312-861-3009 www.potterlaw.org

More information

WORKERS COMPENSATION IN RHODE ISLAND A SUMMARY OF THE LAW

WORKERS COMPENSATION IN RHODE ISLAND A SUMMARY OF THE LAW WORKERS COMPENSATION IN RHODE ISLAND A SUMMARY OF THE LAW PREPARED BY ATTORNEY GARY J. LEVINE 369 SOUTH MAIN STREET PROVIDENCE, RI 09203 401-521-3100 www.workerscompri.com TABLE OF CONTENTS INJURIES COVERED

More information

NUTS & BOLTS OF OHIO S WORKERS COMPENSATION SYSTEM

NUTS & BOLTS OF OHIO S WORKERS COMPENSATION SYSTEM NUTS & BOLTS OF OHIO S WORKERS COMPENSATION SYSTEM It is neither charity, nor pension, nor indemnity, nor insurance, nor wages, though, if a definition of each and all of these terms were placed in parallel

More information

Worker s Compensation Terminology Quick Reference Guide

Worker s Compensation Terminology Quick Reference Guide Worker s Compensation Terminology Quick Reference Guide American Medical Association (AMA): It is a professional association intended for the promotion of best practices, uniform standards and peer review.

More information

WORKERS GUIDE YUKON WORKERS COMPENSATION HEALTH AND SAFETY BOARD. working together WITH YUKON WORKERS AND EMPLOYERS

WORKERS GUIDE YUKON WORKERS COMPENSATION HEALTH AND SAFETY BOARD. working together WITH YUKON WORKERS AND EMPLOYERS WORKERS GUIDE YUKON WORKERS COMPENSATION HEALTH AND SAFETY BOARD working together WITH YUKON WORKERS AND EMPLOYERS workers compensation WORKERS COMPENSATION Workers compensation is an employer-funded insurance

More information

Workers Compensation Insurance A Primer

Workers Compensation Insurance A Primer 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

More information

Health & Safety Law. Part 2: Workers Compensation Law & Injury Management. Workers Compensation Law

Health & Safety Law. Part 2: Workers Compensation Law & Injury Management. Workers Compensation Law Health & Safety Law Part 2: Workers Compensation Law & Injury Management Workers Compensation Law The Accident Compensation Act 1985; Accident Compensation (WorkCover Insurance) Act 1993; and, Workers

More information

Revised May 2015. What Is Workers Compensation?

Revised May 2015. What Is Workers Compensation? This pamphlet provides an overview of the workers compensation system in the State of New Hampshire, including what is covered by workers compensation, what benefits are available, and what you should

More information

Minnesota Workers' Compensation. System Report, 2012. minnesota department of. labor & industry. research and statistics

Minnesota Workers' Compensation. System Report, 2012. minnesota department of. labor & industry. research and statistics Minnesota Workers' Compensation System Report, 2012 minnesota department of labor & industry research and statistics Minnesota Workers Compensation System Report, 2012 by David Berry (principal) Brian

More information

WORKERS COMPENSATION ORKERS OMPENSATION: INJURY

WORKERS COMPENSATION ORKERS OMPENSATION: INJURY WORKERS ORKERS COMPENSATION OMPENSATION: WHAT TO DO IN CASE OF AN ON-THE THE-JOB INJURY In general the purpose of the North Carolina Workers Compensation Act, N.C. G.S. 97-1 et. seq., is to put in place

More information

The Employers Guide to. Pennsylvania s Workers Compensation Law

The Employers Guide to. Pennsylvania s Workers Compensation Law The Employers Guide to Pennsylvania s Workers Compensation Law Table of Contents About this Guide. 3 The Pennsylvania Workers Compensation Act: An Overview for the Pennsylvania Employer....4 Your Duties

More information

WORKER S COMPENSATION INSURANCE REQUIREMENTS IN WISCONSIN

WORKER S COMPENSATION INSURANCE REQUIREMENTS IN WISCONSIN WORKER S COMPENSATION INSURANCE REQUIREMENTS IN WISCONSIN Department of Workforce Development Worker s Compensation Division Bureau of Insurance Programs 201 E. Washington Ave., Rm. C100 P.O. Box 7901

More information

WORKER S COMPENSATION, ACCIDENT REPORTING AND OSHA RECORDKEEPING

WORKER S COMPENSATION, ACCIDENT REPORTING AND OSHA RECORDKEEPING Authority: WORKER S COMPENSATION, ACCIDENT REPORTING AND OSHA RECORDKEEPING Chancellor History: Revised January 22, 2007; supersedes former Policy No. HR 5.10 effective July 24, 1995 Source of Authority:

More information

ADMINISTRATIVE PROCEDURE

ADMINISTRATIVE PROCEDURE 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

More information

Breaking Down Work Comp Premium

Breaking Down Work Comp Premium 3. 4. Missouri Employers Mutual Understand How it Can Add Up to Savings For more information: www.mem-ins.com 1.800.442.0593 These recommendations were developed from national standards and sources believed

More information

Workers Compensation Informational Materials and Filing Overview

Workers Compensation Informational Materials and Filing Overview Workers Compensation Informational Materials and Filing Overview Call 911, as applicable, and/or seek medical attention as necessary. Report the incident to the supervisor/department. The supervisor/department

More information

THE EMPLOYEE S ROLE: When an Employee is Injured on the Job. Human Resources Management Workers Compensation Program

THE EMPLOYEE S ROLE: When an Employee is Injured on the Job. Human Resources Management Workers Compensation Program 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

More information

Nossiff & Giampa Attorneys at Law

Nossiff & Giampa Attorneys at Law 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

More information

Guide to On-the-Job Injuries

Guide to On-the-Job Injuries Guide to On-the-Job Injuries in the United States I got hurt on the job. What can I do? If you are hurt on the job you have a right to workers compensation benefits. You have a right to workers compensation

More information

HOW TO DETERMINE THE VALUE OF A WORKERS COMPENSATION CASE What Is Your Work Accident Case Really Worth?

HOW TO DETERMINE THE VALUE OF A WORKERS COMPENSATION CASE What Is Your Work Accident Case Really Worth? HOW TO DETERMINE THE VALUE OF A WORKERS COMPENSATION CASE What Is Your Work Accident Case Really Worth? By Michele S. Lewane, Attorney at Law Michele S. Lewane Injured Workers Law Firm 7826 Shrader Road

More information

Session C4 Workers Compensation and Payroll. Presented by: Deepak Kothary, WorkSafeBC

Session C4 Workers Compensation and Payroll. Presented by: Deepak Kothary, WorkSafeBC Session C4 Workers Compensation and Payroll Presented by: Deepak Kothary, WorkSafeBC The Workers Compensation Board of British Columbia Presented by Deepak Kothary June 20, 2013 Agenda 1. Overview of Workers

More information

A Guide for Vermont Business Owners: Workers' Compensation Insurance Text Only Web Edition - Updated April 2006

A Guide for Vermont Business Owners: Workers' Compensation Insurance Text Only Web Edition - Updated April 2006 A Guide for Vermont Business Owners: Workers' Compensation Insurance Text Only Web Edition - Updated April 2006 Contents 1. How workers compensation insurance came about and who is covered by it The no-fault

More information

WORKERS' COMPENSATION INSURANCE

WORKERS' COMPENSATION INSURANCE 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:

More information

Injured on the Job. Your Rights under FELA. Quick Facts: What To Do If Injured

Injured on the Job. Your Rights under FELA. Quick Facts: What To Do If Injured Injured on the Job Your Rights under FELA Quick Facts: What To Do If Injured 1. Consult your own doctor for treatment. Give your doctor a complete history of how your injury happened. Make sure that the

More information

Guide. to Recovery Under The Illinois Workers Compensation Act. The Injured Employee s

Guide. to Recovery Under The Illinois Workers Compensation Act. The Injured Employee s The Injured Employee s Guide to Recovery Under The Illinois Workers Compensation Act Prepared By: Romanucci & Blandin, LLC 33 North LaSalle Street, 20th Floor Chicago, Illinois 60602 Toll Free: 888.458.1145

More information

Workers Compensation Information & Guidelines. Table of Contents

Workers Compensation Information & Guidelines. Table of Contents Workers Compensation Information & Guidelines Table of Contents Purpose Page 2 Summary Page 2 Coverage Page 2 Eligibility Page 2 Injury Defined Page 3 Benefits Available Page 3 Temporary Disability Page

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS There are many questions about Stay at Work/Return to Work programs. The following questions are often asked by Employees and Employers when considering a program for their work

More information

Injury Management Process. Early Return-to-Work Value Features & Bottom-Line Savings

Injury Management Process. Early Return-to-Work Value Features & Bottom-Line Savings Injury Management Process Early Return-to-Work Value Features & Bottom-Line Savings This information has been provided by CNA, the only business insurance program endorsed by NPCA. The information, examples

More information

DISABILITY INCOME PROTECTION BENEFIT INDEMNITY

DISABILITY INCOME PROTECTION BENEFIT INDEMNITY OPTIONAL BENEFIT APPENDIX TOTALCAREMAX Personal DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the Disability Income Protection Benefit

More information

An employee s guide to the Minnesota workers compensation system

An employee s guide to the Minnesota workers compensation system 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

More information

Superannuation & Disability Claims Securing your future

Superannuation & Disability Claims Securing your future Superannuation & Disability Claims Securing your future Great people Great results Great value Established 1952 Superannuation & Disability Claims When you are unable to work because of injury or illness,

More information