Worker's Compensation

Workers’ Compensation is insurance that provides cash and medical benefits for workers who are injured or become ill as a direct result of their job. You are entitled to medical benefits and possible cash compensation even if there is no loss of time from work. All workers’ compensation benefits are tax-free.

Employers pay for this insurance and do not require employees to contribute to the cost of this benefit. The Worker’s Compensation Board is a state agency that receives and processes the workers’ compensation claim for benefits. The Workers’ Compensation Board does not pay benefits; the employers’ Workers’ Compensation Insurance Company does.

In a workers’ compensation claim, no one party is determined to be at fault. The amount of benefits that a claimant receives is not decreased by his/her carelessness. Nor is the amount increased by an employer’s fault. However, a worker loses his/her right to workers’ compensation if the injury results solely from his/her intoxication from alcohol or drugs, or from intent to injure oneself or someone else.

Workers’ Compensation does not pay for pain or suffering. It is a wage replacement program only, that also pays medical bills associated with the work accident, subject to limits set by the Workers’ Compensation Law.

The Workers’ Compensation Insurance Company is your adversary and any direct contact you have with them MAY be used against you.