Workers compensation Delaware

 

How does workers compensation work in DE?

Workers Compensation Insurance provides payment to help workers who are injured or become ill as a direct result of their job by providing cash benefits and or medical care.

In Delaware, employers bear the burden of the cost of this insurance and shall not require the employee to contribute to the cost of compensation. Any cash benefits or medical care that are due because of illness or injury directly related to the employee's job or duties are paid by the employer or the employer's workers’ compensation insurance carrier.

In Delaware, employers can obtain workers' compensation insurance through a licensed insurance carrier or the State Workers' Insurance Fund. In addition, employers can apply to the bureau to seek approval to self-insure their liability. Self-insurance is granted by the bureau based on criteria established by the act and the department.

Employees are covered for the entire period of their employment. Therefore, coverage begins the first day on the job. Injuries or diseases caused or aggravated by employment are covered under workers' compensation, regardless of the employee's previous physical condition.

How much is workers compensation in DE?

Cost could vary greatly depending on a lot of factors such as:

  • The type of Industry your business is involved in
  • Your claims history
  • How many claims have been made against your business
  • The amount of payroll that you pay
  • The type of work you're asking your employees to do
  • For example Employees that climb radio towers for you will have a higher monthly Insurance cost then employees who sit behind a desk.

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what is workers compensation benefits

Workers Compensation Insurance provides payment to help workers who are injured or become ill as a direct result of their job By paying missed wages, Medical expenses, Even disability and death benefits.

Workers compensation or workers comp can help replace some of your employees wages If they become injured on the job for example, If one of your Carpenters cut their hand while at work at one of the customers houses and cannot work for several weeks because of the cut. Workers compensation would pay some of the employees wages while they recove

Workers Compensation Insurance provides payment to help workers who are injured or become ill as a direct result of their job By paying missed wages, Medical expenses, Even disability and death benefits.

Missed Wages

Workers compensation or workers comp can help replace some of your employees wages If they become injured on the job for example, If one of your Carpenters cut their hand while at work at one of the customers houses and cannot work for several weeks because of the cut. Workers compensation would pay some of the employees wages while they recover.

Long Term Care

Unfortunately not all injuries can be treated quickly. Neck back and spinal injuries may require long-term care like physical therapy workers compensation Insurance will help in these instances also.

Illness

Sometimes working conditions can expose employees to chemicals or agents they can cause your employee to get sick YouTube an incident or condition Workers Compensation Insurance will help pay the recovery cost or long-term care of the employee

Disability

Some injuries can be severe enough to permanently disable an employee from working ever again in their lifetime. Workers compensation Insurance can help pay some of their lost wages and health care for their lifetime.

Funeral Costs

In the unfortunate event an employee loses their life on the job, Workers Compensation Insurance can help pay some of their lost wages, Help with funeral costs, and even provide death benefits to the employee's beneficiaries

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Who is Exempted from carrying workers compensation in DE?

Under the Delaware statute there are certain exemptions from Workers Compensation Insurance. Farm workers are exempt from the workers’ compensation statute, however, these employers may elect to provide coverage. If you are a single member LLC and you are the only Employee, You do not qualify for workers compensation in Delaware. Independent contractors also do not qualify for workers compensation in Delaware.

Where to buy DE. workers compensation Insurance ?

The best place to obtain workers compensation in Delaware is with the Reisen Agency. The Reisen agency was founded in 1902 and has over 120 years of experience helping businesses in Delaware, making them one of the oldest and most reliable insurance Companies in the area.

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