We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can’t return to work, the coverage can provide a long-term benefit.
workers compensation insurance Arizona is coverage for employees’ workplace injuries or illnesses and is required in almost every state. Worker’s compensation covers medical expenses, lost wages, and rehabilitation services. Workers’ compensation insurance is known by many names from workman’s compensation, workers’ comp, workman’s comp, and others
Workers’ compensation insurance provides medical and wage benefits to people who are injured or become ill at work.
The coverage is mandated by each state and the wage and medical benefits vary by state. Workers’ compensation is considered a social insurance because it relies on a social contract between management and labor, wherein exchange for purchasing workers’ compensation insurance, business owners are protected from civil suits from their workers who become injured on the job. Each party benefits yet has limitations.
Workers’ compensation insurance is purchased by businesses, and is underwritten by insurance companies and, in some states, underwritten by publicly supported state funds.
Workers compensation insurance offers broad coverage designed to protect your business and your employees. Here are some examples of what could go wrong and how it could be covered:While placing a box on a high shelf in the warehouse, an employee inadvertently knocks down another box, which lands on their head.
The employee is taken to the hospital and is diagnosed with a concussion. The doctor requires the employee to remain in the hospital for 24 hours and to stay on bed rest for a week. Workers compensation insurance could pay for the cost of the employee’s hospital visit as well as a portion of their wages for the missed week of work.
A data analyst spends most of their workday using their computer. They begin to notice discomfort in both wrists, which turns to pain as the day goes on. Their doctor diagnoses carpal tunnel syndrome, and recommends surgery. The cost of the surgery is covered by workers comp insurance, as is a portion of the employee’s wages while they are out of work to recover.
An electrical subcontractor is working on a rehab of an old building. The electrician accidentally cuts a live wire and is electrocuted. The worker survives, but has a lengthy hospital stay and rehabilitation before they can return to work. Workers compensation insurance covers the worker’s medical costs and a percentage of lost wages.
When employees suffer a work-related injury or illness, The Hartford Workers’ Compensation Insurance protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.
The advantages of workman’s comp insurance from The Hartford include:
- Nursed Back to Health: The Hartford provides highly experienced nurse case managers to help coordinate care and treatment along with physical, emotional and occupational therapies.
- Prescription Drug Features: More than 65,000 participating pharmacies throughout the US are available to fill prescriptions, usually with no out-of-pocket expense to the injured worker. The convenience of mail order service is just a phone call or click away.
- Preferred Medical Provider Network: Employees can tap into our nationwide network of more than one million providers experienced in treating workplace injuries.
- Pay-as-You-Go Billing Solutions: Our pay-as-you-go workers’ compensation insurance billing solution bases premium payments on actual payroll, which can help you manage cash flow and reduce audit surprises.