Workers' Compensation Insurance

Find the Right Workers' Compensation Plans

Federal and state laws govern workers compensation coverage. This coverage applies to injuries that are "work related" and accidental. Occupational diseases may be covered if a cause and effect relationship between the disease and the work can be established. Call Clifford M Golub Associates Inc today.

Benefits Provided Under Workers' Compensation

• Medical benefits - In general, benefits are unlimited.
  
• Income benefits - For permanent total disability or temporary total disability, the payment is a percentage of weekly wages, (usually 66 2/3%) after a waiting period (usually 307 days). If the disability continues for 2 or 4 weeks, the waiting period is paid retroactively. Partial disability is paid as a percentage of wage loss. That is the difference of what you would earn before the partial disability, versus after.
  
• Death benefits - A burial allowance is provided ($1,000-$5000) and a percentage of the deceased wages are paid to surviving spouse and/or children. Sometimes for life, or sometimes until remarriage or until the children are 18-19, or 22-23 if they are in school.
  
• Rehabilitation benefits - It is recognized that providing rehabilitation services reduces workers compensation costs by returning injured employees to their job. Benefits include various therapies, vocational training, special devices and living expenses during rehabilitation.