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Workers Compensation

Workers Compensation Explained

As an employer, you carry the responsibility of your employees’ safety and security at the workplace. Should they get injured while on the job, you might be deemed responsible? For that reason, it is essential to obtain workers’ compensation insurance coverage. This government-mandated compensation plan pays monetary benefits to employees who get injured or end up disabled in the line of duty.

Essentially, workers’ compensation is required for all employers. However, there could be variations in terms of coverage from one state to another. States may differ in the types of injuries covered, statutes of limitation, among other factors.

 

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How Does It Work?

As the employer, you purchase the workers’ compensation. Once the workers agree to receive the compensation, they relinquish their right to sue you for negligence. The only time they could sue is in the case of recklessness or intentional action to hurt the worker.

An employee is eligible for compensation if they fall ill or get injured while on the job. This includes a fall and an accident with machinery. In case one of your employees gets injured, it is essential to report the injury to the insurer as soon as possible to avoid penalty. However, the insurance plan might not cover some injuries, such as intentional self-inflicted injuries.

Major Benefits

While you might see it as an expense, the workers’ compensation plan has numerous benefits. To start with, the plan provides coverage for training expenses if the employee needs to train for a new position. This could be the case if the person can no longer continue with his job due to a work-related injury.

The plan can also help employees with medical expenses related to occupational conditions, such as asthma and chronic bronchitis, which would otherwise be overwhelming. It also covers the cost of partial or total disability. If the employee is out of work for some time due to work-related injuries, the plan covers half of their regular income.

Additionally, you can include add-on coverage that comes in handy in case of unusual circumstances, such as a terrorist attack during business hours.

The staff is very knowledgeable and helpful and always takes the time to help me with my problem. I highly recommend them.I had occasion to change over my home insurance to A.Young Agency, and once again I was met with exceptional service by Joe LeDuc and Christine the office manager. They make one feel like they are family and go above and beyond to make one’s experience easy and stress-free. I highly recommend them.
Anne Lee
Anne Lee
All staff are very responsive and helpful great agency
Eric Doty
Eric Doty
Shannon is fantastic. She always takes time to acknowledge me when I stop in. The team there is friendly and I feel like they, although very professional, have a very personal investment in their business. 🥰
Mark Rouleau
Mark Rouleau
I've know John for many years and he's a Great Guy who knows his stuff.
M.C. Cawley
M.C. Cawley
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Lillie Collins
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Kevin Cavanaugh
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Barb Genta
Got me what I needed, when I needed it and at the price I needed.
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Dale Hartzfeld
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Kathleen Hoadley
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
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Tracy Richardson
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martin mccloud
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Etoy Nichols
Etoy Nichols

1400 Scott Lake Road, Suite AA
Waterford, MI 48328