Worker's Compensation Insurance

Table of Contents Workers’ Compensation Insurance The Evolution of Workers’ Compensation . . . . . . . . . . . . . . . . . 3 What Benefits Are Available in a Workers’ Compensation Policy? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 • Medical Care • First Aid Treatment • Temporary Disability • Permanent Disability • Supplemental Job Displacement Benefit • Death Benefits How Is Coverage Structured in a Workers’ Compensation Policy? . . . . . . . . . . . . . . . . . . 10 Who Is Required to Purchase Workers’ Compensation Insurance? . . . . . . . . . . . . . . . . 11 How Is Workers’ Compensation Insurance Purchased? . . 12 What Happens to an Employer Who Fails to Purchase Workers’ Compensation Insurance? . . . . . . . . . . . 13 What Is the Uninsured Employers Fund and the Subsequent Injuries Fund? . . . . . . . . . . . 15 How Is Workers’ Compensation Premium Calculated? . . 16 • Classification • Open Rating • Premium Modification • Experience Modification • Prospective Rating • Premium Audit Does the CDI Handle Workers’ Compensation Claims Issues? . . . . . . . . . . . . . . . . . . . . . . 19 What Workers’ Compensation Issues Does the CDI Handle? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Frequently - Asked Workers’ Compensation Questions . . 21 Glossary . . . . . . . . . . . . . . . . . . . . . . . . 27 Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Resumen en Español . . . . . . . . . . . . . . . . . . 37 Talk to Us . . . . . . . . . . . . . . . . . . . . . . . . 39