Workers compensation Pennsylvania
How does workers compensation work in PA?
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 Pennsylvania, 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's insurance carrier.
In Pennsylvania, 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 PA?
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
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Get A Quotewhat 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
Get A QuoteWho is Exempted from carrying workers compensation in PA?
Under the "Pennsylvania Workers' Compensation Act" Exemptions include: people covered under other workers' compensation acts, such as railroad workers, longshoremen and federal employees; domestic servants (coverage is optional); agricultural workers who work fewer than 30 days or earn less than $1,200 in a calendar year from one employer; and employees who have requested, and been granted, exemption due to religious beliefs or their executive status in certain corporations.
Where to buy PA. workers compensation Insurance ?
The best place to obtain workers compensation in Pennsylvania is with the Reisen Agency. The Reisen agency was founded in 1902 and has over 120 years of experience helping businesses in Pennsylvania, making them one of the oldest and most reliable insurance Companies in pennsylvania.
Please feel free to contact us for a free consultation
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