Are you an employer in Pennsylvania? Are you wondering how workers comp insurance works – and whether it’s something your business needs? You’re not alone. Many entrepreneurs, experienced and new to the game, have difficulty finding exactly what is covered by workers’ compensation in Pennsylvania. But don’t worry; this blog post will explain everything you need about workers compensation Insurance in PA, including topics such as who must obtain coverage, when an employee can make a claim, and more. Read on for all the facts.
What Is Workers Comp?
Workers comp, or workers compensation insurance in PA, is a type of insurance that protects workers in the event of an illness or injury suffered from workplace conditions. It’s a form of insurance that provides medical services to help you recover and makes up for lost wages when you can’t work due to your work-related injury. Additionally, if an employee is deceased because of an accident at work, workers comp may benefit the family.
How Does Workers’ Compensation Work?
Workers compensation insurance in PA helps protect workers who suffer an injury while working. It’s a type of insurance that employers purchase to cover medical care and lost wages during the worker’s recovery period. Usually, workers are not required to prove they weren’t negligent or contributed to their injury.
As long as it was connected to the work-related activity, workers comp will likely be provided. In most cases, workers will receive their benefits within 15 days after their employer reports their injury. Additionally, workers comp includes death benefit payments for workers who unfortunately passed away due to a workplace accident.
Pennsylvania Workers’ Compensation: Who Needs It
If you own a business in Pennsylvania, workers’ compensation insurance is not just an option – it’s the law. By providing workers comp to your employees, you are ensuring they will be taken care of if they ever suffer an injury. It’s important to remember that workers comp protects both employers and employees in case of a workplace accident or illness.
Not only does workers comp ensure medical benefits for injured workers, but it also prevents workers from suing their employer out of pocket for negligence. With workers compensation insurance in PA, you can ensure that potential hazards are taken care of properly, so accidents don’t occur, and you’re legally compliant.
Pennsylvania’s Workers Comp Benefits
Workers pay into workers’ compensation insurance in PA, but what do workers get in return? If you find yourself injured or ill due to workplace conditions, workers comp benefits provide medical care and other financial assistance for your recovery and well-being. However, depending on the nature of your injury, you could also receive partially lost wages if you cannot temporarily perform specific duties. Even if your employer had a pre-existing workers comp policy, it’s still wise to contact an attorney specializing in workers’ compensation law.
Workers Compensation Insurance in PA: In Conclusion
There’s a lot to think about regarding workers compensation insurance in PA – from how much coverage you need to what kinds of benefits are available. Hopefully, this article has given you a good starting point for understanding the basics of workers’ compensation insurance and how it can help protect you and your business. Thanks for reading.