Who needs Workers’ Compensation coverage?
Does the injured worker pay any part of my workers’ compensation insurance premium?
The law is very specific on this point. It is the employer’s responsibility to pay the entire premium for workers’ compensation insurance coverage.
What kinds of employee injuries are covered?
The law covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment. This includes diseases or infections resulting from such injuries. The law also covers death resulting from such injuries within specified periods of time. Even if you do not think an injury is covered, you must still file the First Report of Injury or Illness (DWC-1) with your insurance carrier for determination of responsibility within 7 days of your first knowledge of the accident/injury.
What injuries are not covered?
The law does not provide compensation for the following conditions:
Is compensation payable if an employee refuses to use a safety appliance like a hard hat, safety goggles or observe a safety rule?
Compensation will still be paid, but indemnity benefits (partial wage replacement) may be reduced by 25 percent if the employee knew about the safety rule prior to the accident and failed to observe the rule, or if the employee knowingly chooses not to use a safety appliance which the employer has directed him to use.
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