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It’s All About Workers Compensation And How Does It Work


 Knowing About Workers Compensation

Tow Men Workers Compensation Doing they Works
Wikimedia Commons – NearEMPTiness

The Workers Compensation is workmen’s compensation before it changed due to the equality of workers, to make it neutral. Workers’ Compensation is the insurance paid by the company that is paying and providing medical benefits to their employees who are injured or got injured after doing their job. Employees have their right to do make legal action against their employers if none of the benefits are taken.

There are types of workers’ compensation that you should know and that was medical treatment, disability benefits, rehabilitation, and lastly death and funeral service of the employee. The expenses of the employers are sometimes direct and sometimes indirect to them but it will affect the company for the long-term. There are some facts about Workers Compensation for you to know what is it all about.

  • First, they are managed by states. Employers are paying self-insurance and their employees become their beneficiaries. If employees get ill or have an accident they will benefit from the insurance of their employers.
  • Second, it is required for the employers to have their workers’ compensation. It can be different from another state due to the requirements needed.
  • The third was some states are allowing some employers to be self-insured but still, it depends upon the qualification required.
  • Forth fact is that workers’ compensation can cover a long-term illness until their employees can go back to their work. All of their needs are being covered by it like the medicines and other things that an employee needed.
  • And many more facts about it. Like they are based on state rates and past experiences of the employers, employees can do legal action against their employers, some incident doesn’t scope by workers’ compensation like an accident by a crime or self-harm, employees can’t be discriminated against or feel that they do not belong to any, workers’ compensation’s criminal deception can lead to a high punishment or sanction and lastly employees have their rights to keep the records and get the right and specific information from their employers.
Woman Cervical Collar Emergency Workers Compensation Injured
Wikimedia Commons – Alexisrael

Workers’ Compensation has also benefited qualifications. If we say employees got injured they will get benefits if it is related to their work.

The inclusion of the benefits was wage loss, medical, and even death benefits. Employees don’t scope the independent contractors. Always put in our mind that worker’s compensation benefits always for the injuries that are done and related to the work.

And all employers have at least one employee is covered by it.  Before complying with the workers’ compensation, you as an employer should talk or consult your attorney so that you know and you are confident that you are not breaking any rules and for you to know that you are qualified in doing that specific thing you are doing.

Always put yourself in legal ways so that you won’t be able to have a problem when it comes to that. And don’t you ever forget that as an employer you should always report after an injury so that you are eligible for the workers’ compensation benefits.


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2 Responses

  1. It’s interesting to know that workers’ comp can also account for long-term illnesses. I’m thinking about helping a friend hire a workers’ comp attorney soon because he has been suffering from a severe case of carpal tunnel syndrome. Such an ailment would surely affect his work as a graphic artist.


James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management 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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