What Is Covered By Workers Compensation Insurance?

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What Is Covered By Workers Compensation Insurance?
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• Workers compensation insurance is required by
  U.S. state law for most employers, and this is
  solely to protect both employers and employees,
  should they happen to injure themselves in the
  workplace or fall sick while at work. But what is
  exactly is covered by this insurance?
• What is covered by workers compensation
  insurance?
• Work related illnesses or injuries are not
  unheard of in the workplace, and this type of
  insurance covers the expenses that can be
  incurred resulting from an employee accident, or
  when a staff member falls sick on the job.

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• Typically, this type of insurance covers costs
  such as those of an ambulance or more long-term
  associated costs such as ongoing treatment,
  physical therapy or loss of earnings. Policies
  even cover the legal costs that can be incurred
  should an employee consider it their employers
  fault that they had an accident, perhaps due to
  negligence or health and safety concerns. We can
  look at this in more detail
• Covering medical costs for immediate injurie and
  illnesses
• Preventative measures should of course be taken
  by all companies to ensure that their employees
  are safe in the workplace, but not all such
  occurrences can be prevented, and as the saying
  goes, accidents will happen.

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• In the unfortunate event of an employee hurting
  themselves or falling sick while at work, the
  employer is the one usually held responsible for
  covering the cost, such as for visits to the
  emergency room, a ride in an ambulance and other
  associated medical bills.
• However, to know whether your business is
  responsible for all injuries in the workplace,
  you can consult with a professional company that
  specializes in giving advice for employers and
  who will ensure that you know your legal rights
  and obligations, as a lot can depend upon the
  status of the employee in question and the
  industry that they are employed in.

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• Wages lost
• In most cases, employers are required to cover
  the cost of at least some of the employees missed
  wages while they are unable to work, and to help
  you cover the cost of taking on a replacement
  staff member temporarily, workers compensation
  will usually pay dividends. Seeking advice on
  exactly what policy will offer you the best
  coverage, is highly advisable before you jump in
  and purchase one.
• Ongoing care and treatment
• Depending on the severity of the injury or
  illness, an employee may require ongoing care and
  treatment, or they may not be able to return to
  work at all.

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• Unfortunately, as their employer, you may still
  be required to pay for the cost of their ongoing
  care, but the right policy will help you to cover
  those costs.
• The cost of a funeral and death benefits
• Tragically, a small number of employees are
  killed in accidents at work, but workers
  compensation insurance can help you to cover the
  costs of a funeral and other associated expenses.
  If the industry that your business is in has a
  high risk of injury, then a good policy will be
  essential to help you attract new employees and
  retain those you already have, not to mention
  help you financially, as the business owner.

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• Legal costs
• Its not uncommon for an employee to blame their
  employer for an accident or illness incurred
  while at work, and the legal costs associated
  with this can reach sky high proportions. Workers
  compensation insurance will help you cover the
  cost of a lawsuit, and if this is a concern for
  you as a business owner, dont waste any time in
  ensuring that you have the right policy to get
  you the most coverage.
• Workers compensation insurance is vital for all
  business owners, and is a legal requirement for
  most, so for the right coverage, seek
  professional guidance right away.

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• Apollo Payroll is one of the premier small
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