Workers’ compensation covers statutory obligations that are covered under a state-law. Employers liability insurance is coverage that protects an employer from lawsuits by employees who are injured or become ill as a result of their job duties. Employers liability insurance may also provide coverage for third-party injuries (those that occur on the premises but are …

What is the difference between workers compensation and employers liability? Read More »

Compensation is not paid for the first three business days or less of disability if you are unable to work (this is called a waiting period). If you are unable to work for more than 14 days the “three-day waiting period” will be paid.

Classification 8810, Clerical Office Employees, is applicable to workers who are engaged exclusively (100 percent) in clerical activities with no additional duties. In addition, clerical office employees must work in a separate area within which no work other than clerical office work is performed.

You might also see the acronym “NOC” at the end of a classification code. It stands for “not otherwise classified” and means you were given a general code for the position, not a specific one.

Workers’ comp insurance provides basic benefits, including medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits.

A class code is a three or four-digit numerical identifier given by NCCI or a State Rating Bureau like California’s WCIRB. The class code distinguishes one employment position from another by assigning a code to each job duty or area of work performed.

When a worker is injured, employers/insurers must file a First Report of Injury with the Division within 30 days from knowledge of the injury. We however recommend submitting the notice of first report of injury within 24 hours.

Workers’ compensation is a state-mandated, “no-fault” insurance system that compensates employees hurt on the job for medical care, time off to recover, and future wages. Employers obtain legal protection against employee lawsuits in exchange for no-fault insurance coverage.

You should report the incident to your employer immediately and get medical attention from an approved provider. Then you must file a workers compensation claim in a timely manner.

The cost of workers’ compensation insurance varies by state, as do the mandated benefits. There also are different rates depending on whether the employees covered are performing low-risk or high-risk jobs.

The employer pays the workers’ compensation insurance premiums. There is no payroll deduction, as for Social Security benefits. The employer is required by law to pay workers’ compensation benefits as established by individual state laws.

Employers who do not pay for benefits typically purchase workers’ compensation insurance to cover the benefits for employees. Employees are not responsible for paying for workers’ compensation benefits.

Workers’ compensation insurance helps protect businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work-related cause.