Workers Compensation Insurance Requirements

Proper insurance is an integral part of any workplace. When you have a large number of employees, you are required by law to hold insurance to help protect them and yourself. Knowing what the requirements are, and a bit more about what workers comp is can help you learn all you need to know.


What Is Workers Compensation Insurance?

Workers comp insurance is a type of insurance that employers need to have in place to help cover the costs associated with workplace injury and accidents. If an employee is hurt on the job, they can file a workers comp claim where they can have their medical bills paid and may even get some money for time off of work. Though many people believe that these claims are all fraudulent, only about 1 to 2% of all workers comp claims are proven to be fraudulent, according to PBS.


The claims process is not simple, however. You do have to have adequate proof and for that to stick, the help of a workers compensation lawyer might be needed. A workers compensation lawyer is one that is well versed in claims, how to file them, and how to appeal them in the chance that they are denied.


Is Workers Comp Insurance Required?

Each state has its own requirements when it comes to workers comp. Most states have a minimum number of employees for which you can go without a policy in place, and they may also have specific amounts of insurance that are required. Taking the time to learn what your state has set as thresholds and laws is important and can make a big difference in how you go about taking out your policy.


Claims are not often denied unless there is some reason to believe that there is fraud present or if there is not enough supporting information to make the claim. Whatever the case, if you are having trouble filing your claim, a workers compensation lawyer may be your best bet to help ensure that you are going to get your claim sent through. It is important to note that if you are having trouble with your claim, you should take the time to figure out what your claim looks like and to make sure that you have all the proper information included and taken care of for a foolproof claim.


For more information about workers comp, please don't hesitate to reach out to Little Schellhammer Richardson and Knowlan Law Offices. Our professionals will be happy to answer any questions that you have.

What To Do If an Employee Is Injured on the Job

18 Dec, 2023
An on-site injury can be extremely stressful, both for the victim and for the person in charge. Workplace injuries vary significantly. The most frequently claimed injury is a sprain or strain, with a third of reports involving this injury (per Eastern Kentucky University). The next common thing is cuts, followed by bruises, inflammation, and fractures respectively. If an employee is injured on the job, it is important to stay calm and follow procedure. Here are four steps to take in this situation. Get Immediate Medical Attention Before you're dealing with a workmans compensation attorney or any insurance companies, you need to handle the situation. Get your injured employee immediate medical attention. No matter what happened or what happens after, this is a human who needs to be treated. Take care of them first. Document Everything You'll want a clear, accurate record of everything that happened once it's over. This is why it's essential to document everything. Take pictures with timestamps and get witness statements. That way you'll have it all in writing in case there are any disagreements about the events before and after the injury. Follow Legal Guidelines Depending on where you live, your government will have steps for you to take for reporting an injury to the proper channels. Follow these instructions and talk to your own higher-ups, if you have them. If you are in charge, talk to your own attorney about what steps to take next. Stay In Communication It is essential that you stay in open communication with everybody once the insurance companies get involved. Your employee may hire a workmans compensation attorney to represent them, so it is essential that you work with this person. Provide any documentation that they need and make sure that you are open and honest about everything. This will make the process go much smoother and will keep you out of any trouble that lying or hiding evidence would bring. While it can be extremely intimidating and frustrating to deal with things like an insurance company or a workmans compensation attorney, it is important that you follow all of these steps when dealing with a workplace injury. This way, if anything unexpected happens while handling the aftermath, you'll know that you did everything correctly during and after the event.

Workers Compensation Insurance Requirements

18 Dec, 2023
Proper insurance is an integral part of any workplace. When you have a large number of employees, you are required by law to hold insurance to help protect them and yourself. Knowing what the requirements are, and a bit more about what workers comp is can help you learn all you need to know. What Is Workers Compensation Insurance? Workers comp insurance is a type of insurance that employers need to have in place to help cover the costs associated with workplace injury and accidents. If an employee is hurt on the job, they can file a workers comp claim where they can have their medical bills paid and may even get some money for time off of work. Though many people believe that these claims are all fraudulent, only about 1 to 2% of all workers comp claims are proven to be fraudulent, according to PBS. The claims process is not simple, however. You do have to have adequate proof and for that to stick, the help of a workers compensation lawyer might be needed. A workers compensation lawyer is one that is well versed in claims, how to file them, and how to appeal them in the chance that they are denied. Is Workers Comp Insurance Required? Each state has its own requirements when it comes to workers comp. Most states have a minimum number of employees for which you can go without a policy in place, and they may also have specific amounts of insurance that are required. Taking the time to learn what your state has set as thresholds and laws is important and can make a big difference in how you go about taking out your policy. Claims are not often denied unless there is some reason to believe that there is fraud present or if there is not enough supporting information to make the claim. Whatever the case, if you are having trouble filing your claim, a workers compensation lawyer may be your best bet to help ensure that you are going to get your claim sent through. It is important to note that if you are having trouble with your claim, you should take the time to figure out what your claim looks like and to make sure that you have all the proper information included and taken care of for a foolproof claim. For more information about workers comp, please don't hesitate to reach out to Little Schellhammer Richardson and Knowlan Law Offices. Our professionals will be happy to answer any questions that you have.
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