What Does Workers’ Compensation Insurance Cover?

Find out how workers’ compensation insurance works in Connecticut.

The Connecticut Workers’ Compensation Act guarantees medical care, protection against income loss, and survivor benefits for employees who suffer a work-related injury, illness, or death. Required by law, your business needs it, no matter how large or small.

The workers’ compensation act grants benefits to an injured employee without regard to fault or negligence on the part of the employer or employee. It also establishes a system for resolution without the need or ability to file a lawsuit against the company.

A worker who becomes sick or injured as a result of the working environment may be entitled to workers’ compensation. The benefits can be as follows:

• Payment for medical treatment and expenses. This can include the initial emergency care, follow-up treatment with doctors, physical rehabilitation visits, and transportation expenses.
• Payment for time off work for recovery. Typically, this is a weekly benefit of 66.67% of a worker’s average weekly earnings. Generally, this does not last more than two years.
• Payment for any permanent impairment. Many work-related injuries result in a permanent physical impairment that affects the worker’s ability to do certain jobs.
• Vocational rehabilitation services. If the worker needs to change jobs or departments, insurance can help to pay for some of the job training.
• Payment of benefits in the event of death. A deceased worker’s dependents are entitled to burial expenses and a lump-sum payment.

If your business has yet to set up this coverage, now is the time to do so. For protective insurance for your employees and business, it is essential to secure the right policy for your needs.

For more information on how to acquire the right workers’ compensation insurance for your business, contact the professionals at Abbate Insurance, serving New Haven and neighboring cities in Connecticut.