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Worker’s Comp Insurance2018-07-25T13:42:16-05:00

Worker’s Comp

Workers’ compensation insurance (also known as workmans’ comp insurance) covers employee needs for work-related injuries or illnesses including medical care, wages from lost work time, and more. This type of insurance also covers a deceased worker’s family with a financial benefit. It can also help a company if a worker’s family decides to sue.

Workers’ compensation insurance can help protect your business and employees in the event that an employee slips on ice, injures him/herself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time. Or if an employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.

How Does Workers’ Comp Insurance Work?

When employees suffer a work-related injury or illness, our protection helps cover wages and medical benefits. We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can’t return to work, the coverage can provide a long-term benefit.
The advantages of workman’s comp insurance  include:
  • Preferred Medical Provider Network: Employees can tap into our nationwide network of more than one million providers experienced in treating workplace injuries.
  • Prescription Drug Features: More than 65,000 participating pharmacies throughout the US are available to fill prescriptions, usually with no out-of-pocket expense to the injured worker.
  • Nursed Back to Health: We provide highly experienced nurse case managers to help coordinate care and treatment along with physical, emotional and occupational therapies.
  • Pay-as-You-Go Billing Solutions: Our pay-as-you-go workers’ compensation insurance billing solution bases premium payments on actual payroll, which can help you manage cash flow and reduce audit surprises.

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