Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Worker’s Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
If you’ve been injured on the job be sure to take action immediately by notifying both your employer and your insurance company immediately. If you fail to take action right away, you take the chance of not being reimbursed for medical costs or time lost at work due to your injury.
It’s important to read through your policy as soon as you receive it so that you’ll know exactly what to do in the event that you need to file a claim. For help or questions about your coverage, feel free to contact your agent. Our agents can assist you with understanding your policy and will help in any way that we can if you need to file a claim.
Contact the Isham Insurance Agency, Inc. to help you find a Workers’ Compensation policy that fits your businesses specific needs.