When a work place injury occurs, the cost can be staggering

Costs may include:

  • Medical Bills
  • Loss of Wages and
  • Potentially a Permanent Total Disability

 

Workers Compensation will provide

This isn’t a post about how much an injured employee can expect to receive if injured on the job, since it can vary by state, but in general, an Employer’s Work Comp Policy will provide the following benefits for an injured employee:

  • Medical Benefits: Unlimited
  • Loss of Income: determined by the Employees Average Weekly Wage and subject to State defined Maximum per week

o   The amount paid is typically 2/3rds of the Employees Weekly Wage since the benefit paid is not taxed

  • Permanent Total Disability: Same as Loss of Income above, but paid potentially for the injured employees remaining lifetime.

 

Then why does our Work Comp policy show limits

Great question, the Work Comp policy has 2 Parts:

  • Part A is the Workers Compensation Part – as discussed above
  • Part B is Employers Liability

 

Employees cannot sue Employers

In general Employees cannot sue their Employer for a Work Related Injury - this protects both the Employer and especially the Employee, since lawsuits can take months and bills from an injury without the benefit of an income (if they are unable to work) could be financially devastating.

Why is Employers Liability Coverage Necessary

There are instances when an Employer can be sued for an Employees Injury – Two examples:

1. Third Party Over Suit: An employee is injured on the job when the equipment or tool they were using malfunctioned.  The employees collects Work Comp benefits and also  sues the Manufacturer of the equipment.  The Manufacturer’s attorney will likely allege that the malfunction was caused by improper maintenance.

2. Loss of Consortium: The spouse of an injured employee sues your business, alleging the injury has led to a loss of consortium (marital relations).

 

A Lawsuit is very likely if:

You are an Employer without Work Comp and have an Employee that was injured on the job (regardless of the total number of employees you have).   


For more information or for your free Work Comp quotation, call 636-519-0059 or email (service@hebbeln-ins.com) us today.

 


The Stock Photo 

We are limited in the number of stock photos included with our site, but, I am trying to insinuate that this is an X-ray of an injured worker.  

But I don't understand why she is pointing at his nose, and trying to convey, with a serious look,  that this is the issue.  It would seem the bigger concern is the large hole in the upper right hand side of his head. 

 

Posted by Dan Hebbeln

 

Posted 8:07 AM

Tags: work comp
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