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Work Comp Laws For All 50 States And Canada – WCRI IAIABC

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Work Comp Laws

The Work Comp Laws for all 50 states and Canada used to be provided by the US Chamber of Commerce.   I remember their manual as always being slightly out of date.   However, it was a great summary to have on hand if you were handling or administering over a claims volume with multi-jurisdictions.

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I have always made the recommendation to multi-state employers (including trucking companies) to have a handy copy of the Work Comp laws for all 50 states.   One reason is that the WALSH jurisdictional test may place an employee’s WC claim in an unexpected state.

The Workers Compensation Research Institute (WCRI)  and the International Association of Industrial Accident Boards and Commissions (IAIABC)  Work Comp Laws and Rules covers 98 pages with 16 tables.   The two organizations have done a bang-up job on the manual.  The manual was last updated January 1, 2016.

This is one of my favorite publications produced by the WCRI.

The 16 tables covered are:

 

  1.  Type of Law and Insurance Requirements
  2. Coverage Exemptions from Workers’ Compensation
  3. Workers’ Compensation Medical Benefits and Method of Physician Selection
  4.  Benefits for Temporary Total Disability Provided by Workers’ Compensation Systems
  5.  Benefits for Permanent Total Disability Provided by Workers’ Compensation Systems
  6.  Permanent Partial Disability Benefits Provided by Workers’ Compensation Systems
  7.  Maximum Benefit Payments for Selected Scheduled Permanent Partial Disabilities
  8.  Sequence of Disability Payments Made within Workers’ Compensation Systems
  9.  Coverage of Mental Stress, Cumulative Trauma, Hearing Loss, and Disfigurement

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  10.  Details on Disfigurement Claims
  11.  Fatality Benefits Paid under Workers’ Compensation Systems
  12.  Initial Payments, Waiting Periods, Retroactive Payments, and Time Frames for TTD
  13.  Rehabilitation Benefits Allowed under Workers’ Compensation Systems
  14. Advocate and Attorney Fee Provisions under  Workers’ Compensation Statutes
  15. Workers’ Compensation Boards, Advisory Committees, and Other Commissions within Jurisdictions
  16. Workers’ Compensation Second Injury Funds

According to WCRI

“In Canada and the United States, workers’ compensation is under the control of state and province legislative bodies and administrative agencies,” said Ramona Tanabe, WCRI’s executive vice president and counsel. “This survey provides the ability to understand the subtle differences between jurisdictions.” 

You may purchase the manual here for a nominal fee.  This will be one of my go to reference sources for Work Comp Laws.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications

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