Workers' Comp Done Right: Protection That Works as Hard as You Do

Yes, covers diseases arising from work conditions, though may require proving work-related causation.

Covers medical expenses, lost wages, rehabilitation costs, and death benefits for work-related injuries and illnesses.

Requirements vary by state but generally apply to businesses with employees. Some states exempt very small employers.

Point where injury stabilizes and no further significant recovery expected, affecting benefit calculations.

Based on payroll, job classifications, industry risk factors, and claims history (experience modification rate).

Generally no, but misclassification of employees as contractors can lead to coverage disputes and penalties.

Employees should report immediately; employers typically have 24-72 hours to notify insurer and state agencies.

Benefits while completely unable to work during recovery, typically paying percentage of normal wages.

A factor based on past claims history that adjusts premiums up or down compared to industry average.

Doctors assign percentage ratings to permanent disabilities, affecting benefit amounts and duration.