WORKERS' COMPENSATION

WHAT IS WORKERS' COMPENSATION?
If an employee is injured on the job due to physical injury or stress, he or she typically fills out a form at work that starts a workers' compensation claim [at times I'll refer to it as "WC" .] The completed form is then sent to the employer's insurance company who then pays the injured employee's medical costs and also pays the employee money for time off from work. This money is in lieu of wages the employee would have earned on the job.

Although the workers' comp system is heavily regulated by the State of California, workers' compensation benefits are paid by an employer's workers' compensation insurance policy. Disputes between the employee and the insurance company are litigated in the State system, the Workers' Compensation Appeals Board [WCAB].

Think of WC insurance working the same way as your auto insurance policy. With your car, if you get in an accident that is your fault, your insurance carrier pays claims under the provisions of your insurance policy. It works the same way with an employer's workers' compensation insurance policy.

Call TJM Insurance Services at (323) 206-6006 for your Workers Compensation coverage today!
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