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Why Every Employer Should Have an Injury Care Program
In most states, all employers are required to purchase insurance for their employees from a workers' compensation insurance carrier. In some states, larger employers with enough assets are allowed to self-insure, or act as their own insurance companies, while smaller companies (with fewer than three or four employees) are exempt.
When a worker is injured, their claim is filed with the insurance company (or self-insuring employer), which pays medical and disability benefits according to a state-approved formula. Unless they fall within limited, exempt categories, employers without workers' compensation insurance are subject to fines, criminal prosecution, and civil liability.
How You Benefit
Even if workers’ compensation coverage is optional in your state, you can still be held liable for a workplace injury. This holds true even if you have a small company. Size doesn’t matter when it comes to workers’ compensation—and if you’re not covered, costs can increase quickly.
The potential for on-the-job injury is never zero. Don’t set yourself up to be blindsided by out-of-pocket expenses when one of your employees gets injured. Costs can be more than just medical expenses for doctor’s appointments and prescriptions.
Getting injured at work is expensive for employees both professionally and personally. Even the most loyal employee might be forced to file a lawsuit to pay his or her bills. Don’t put your employees to the test—get workers’ compensation coverage so that you’re both covered if anything happens.