Worker's Compensation Insurance

9 Return-to-Work Supplement Program (for injuries on or after 01/01/13) The Return-to-Work Supplement Program (RTWSP) benefit, administered by the DIR, is a one-time supplemental payment to employees who experience a loss of earnings that is disproportionate to their permanent disability ratings. Employees who have a date of injury on or after 01/01/13 and who have received an SJDB voucher for that injury can apply for this benefit. To apply, the employee must complete an online application, located at https://www.dir.ca.gov/RTWSP/ RTWSPApplication.html, which must be received by the DIR within one year of the date the SJDB voucher was sent to the employee. If found eligible, current law allows the employee to receive a one-time $5,000 payment. Death Benefits When a worker is fatally injured on the job, reasonable burial expenses are paid up to the current maximum set by law. Additionally, qualified surviving dependents may receive support payments for a period of time. These benefit payments are usually paid at the same weekly rate as the maximum temporary disability benefit. The total death benefit amount of support payments depends on the number of dependents and whether they are partially or totally dependent. How Is Coverage Structured in aWorkers’ Compensation Policy? Workers’ compensation coverage is offered under Part One of a workers’ compensation insurance policy. In Part One, the insurance company agrees to promptly pay all benefits and compensation due to an injured worker. These payments are imposed on the employer by workers’ compensation law or laws of the state or states listed on the Declarations page of the policy. Workers’ compensation insurance is considered the exclusive remedy for injured employees.