Workers‘ Compensation Insurance – Before Workers‘ Comp. came into existence there was no insurance coverage to secure an injured worker. An injured worker is anyone who is employed and is injured on the job. It will also cover an employee if he was hurt during his lunch hour, while running an errand for the company. In the past employers were accountable for the expense of all treatments and wage compensation. This caused many employers to reluctantly not report the injury.

The worker also has to prove that the injury was caused at work by an employers fault. With the amount of injured workers per year and industrial accidents legislation needed to make provisions for the injured worker. It relieved the employer from being liable except if there was negligence, and it also compensated the employee for wage loss because of the injury, and medical coverage. This coverage comes with rehabilitation to help get the employee back to work.

There are two laws for Workers‘ Compensation: Federal employees pertain to those doing work for the government. State employees compensation are for state and private businesses employers and employees, the laws vary from one state to another.

When a worker is injured at the job, he must report the incident to his supervisor and fill in an incident report, the employer will then send the employee to a clinic or hospital to be cured. Once at the inpatient or outpatient facility the injured worker will then have to complete another form as to if this was the initial place of treating, all records are necessary for the appointment.

The employer and clinic will submit the reports to the workers‘ compensation office and then an insurance claim adjuster would be allotted to the case for review and approval, of medical care and compensation. Every time the employee is seen by the assigned physician or physical therapist a report will be brought to the Workers‘ compensation adjuster, as to monitor the care. All states vary on the time allowed to report an injury.

The worker may or may not have the ability to returned to work as light duty, light duty restricted, partial disability, or permanent disability.

Well I hope I have help point you in the right direction for your business and your needs for GA Workers Comp Insurance or GA Workers Compensation.