Worker compensation is a mandatory thing for organizations having certain specified number of employees. This statute is passed for the benefit of employees working in industrial units and other type of enterprises. It protects them in case of injuries and they get the required compensation for it. So, you are liable to give compensation to your employees.
Search for insurance agencies that provide worker compensation insurance in California in order to cope with such situations. In case of an accident in your premises where some of your employees get injured you will have to adhere to the following process.
1.As and when the accident occurs it has to be seen if first-aid is enough. And in case the situation is beyond first-aid then you need to create a report of inquiry within 7 days of the incident. A copy each should go to the labor commission, your insurance company and one to the injured employee.
2.Then the injured worker will be firstly examined by the physician designated by you. After checkup done by the designated doctor the injured worker can choose a doctor of his/her choice for another test. The doctor will produce a report of the initial checkup of the injured employee to the Labor commission and a copy of that to the employee.
3.Your insurance company will then open a claim for benefits after receiving the reports from the employer or the doctor. The agency will be determining the total compensability of the injury or illness. It will be done within 21 days of having received the claim.
4.If the compensation is valid and if the doctor determines that the injured person will lose work time, the rate of weekly pay for the worker is calculated. You insurance agency dealing in worker compensation insurance in California will be paying all the medical bills. Hence the injured employee need not pay anything for the medical care received.
5.And in case your insurance agency denies the claim then a letter is sent to the employee and the labor commission. The injured worker can then apply for a hearing at the Labor commission. The commission will then review the case and give a final verdict.
The above process is usually followed under the ‘worker’s compensation statute’. We at Bozzuto specialize in personal, auto, small business insurance as well as worker compensation insurance in California. Contact us today for an insurance policy.
Search for insurance agencies that provide worker compensation insurance in California in order to cope with such situations. In case of an accident in your premises where some of your employees get injured you will have to adhere to the following process.
1.As and when the accident occurs it has to be seen if first-aid is enough. And in case the situation is beyond first-aid then you need to create a report of inquiry within 7 days of the incident. A copy each should go to the labor commission, your insurance company and one to the injured employee.
2.Then the injured worker will be firstly examined by the physician designated by you. After checkup done by the designated doctor the injured worker can choose a doctor of his/her choice for another test. The doctor will produce a report of the initial checkup of the injured employee to the Labor commission and a copy of that to the employee.
3.Your insurance company will then open a claim for benefits after receiving the reports from the employer or the doctor. The agency will be determining the total compensability of the injury or illness. It will be done within 21 days of having received the claim.
4.If the compensation is valid and if the doctor determines that the injured person will lose work time, the rate of weekly pay for the worker is calculated. You insurance agency dealing in worker compensation insurance in California will be paying all the medical bills. Hence the injured employee need not pay anything for the medical care received.
5.And in case your insurance agency denies the claim then a letter is sent to the employee and the labor commission. The injured worker can then apply for a hearing at the Labor commission. The commission will then review the case and give a final verdict.
The above process is usually followed under the ‘worker’s compensation statute’. We at Bozzuto specialize in personal, auto, small business insurance as well as worker compensation insurance in California. Contact us today for an insurance policy.
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