Caring for Those Who Care for Others
Through workers’ compensation insurance, you can fulfill your duty of care toward your employees, promote a safe work environment and mitigate the financial burdens associated with workplace injuries or illnesses.
.jpg)
Sometimes, despite our best efforts, accidents happen. Workers’ compensation insurance provides coverage for employees who suffer work-related injuries or illnesses, typically covering medical expenses, rehabilitation costs and a portion of lost wages for injured workers. This type of insurance also helps protect your organization from potential legal liabilities, preserves your reputation as a responsible employer and allows you to focus on advancing your mission with the knowledge that your workforce is protected.
.jpg)
.jpg)
.jpg)
Different types of workers' compensation insurance exist to cater to the diverse needs and circumstances of organizations and their employees. Below are a few common types of this coverage.
The purpose of disability benefits is to replace the worker's loss of income or earning capacity that results from a compensable injury. The four classes of disability are temporary total, permanent total, temporary partial, and permanent partial.
This type of workers' compensation insurance covers medical expenses, like doctor visits and medications, related to work-related injuries or illnesses. Medical benefits ensure that employees receive the care they need to recover and return to work.
Wage replacement benefits provide partial income replacement to employees unable to work following a work-related injury or illness, helping to alleviate financial strain during recovery. The amount of wage replacement varies based on the severity and duration of the injury or illness.
This covers the costs of vocational rehabilitation and retraining for employees unable to return to their previous job due to a work-related injury or illness. This type of workers' compensation insurance helps employees develop new skills and find alternative employment, facilitating their successful reintegration into the workforce.
If the worst should happen, death and survivor benefits provide financial support to the employee’s dependents. These benefits typically include compensation for funeral expenses and ongoing financial assistance to help support the surviving family members.
We’re dedicated to empowering you with the knowledge needed to safeguard what matters most: your people and mission. Below, we answer common questions from purpose-driven organizations like yours.
Workers' compensation insurance can provide wage replacement and medical benefits to employees who suffer work-related injuries or illnesses.
In most jurisdictions, workers' compensation insurance is required for businesses that have employees. The specific legal requirements vary by location, so it is important to consult the regulations in your area to determine if you need coverage.
