Benefits
Method
Out state
Options
Rating
100
These benefits are payable subject to a deductible in the form of a waiting period and do not begin until the waiting period has expired.
What are disability income benefits?
100
This is a disability caused by a work-related injury or disease that impairs the injured employee’s earning capacity for life. The employee is able to work at reduced efficiency.
What is permanent partial disability?
100
This type of employee is one hired for only a short period, usually to accomplish a particular task.
What is a casual employee?
100
This can reduce the cost of a workers compensation claim by shortening the length of time that the injured employee is disabled and also benefits society as a whole.
What is rehabilitation?
100
These provisions provide that employees can receive benefits provided by the law of the state in which they are hired even if the accident occurs in another state.
What is Extraterritorial provisions?
200
Recovery under the applicable workers compensation law against the employer is often referred to as this.
What is employee’s exclusive remedy?
200
This type of an employee is hired for short-term assignments to cope with peak loads.
What is a temporary employee?
200
This is a disability caused by a work-related injury that temporarily limits the extent to which an employee can perform job duties for a period of time.
What is temporary partial disability?
200
This is a disease thought to be caused by the work environment.
What is occupational disease?
300
This benefit includes a flat amount for burial expense and partial replacement of the worker’s former weekly wage.
What is death benefits?
300
These laws provide no-fault protection by removing the right of employees to sue their employers for injuries covered by the applicable workers compensation statute, while obligating employers to compensate injured employees even if employer negligence is not involved.
What is workers compensation statutes?
300
12. Workers compensation statutes differ by state but share these common characteristics.
What is: • Basic purpose, • Benefits provided, and • Persons and employments covered?
300
This status is a question of fact, not of law. If doubt arises concerning this status, a court or an administrative body decides the issue on the basis of the facts.
What is employment status?
300
This coverage protects employers against liability claims by employees for occupational injures that are not covered by the states' workers compensation statute?
What is Employers Liability?
400
This is a person hired to perform services for another under the direction and control of the other party, called the employer.
What is an employee?
400
This is a disability caused by a work-related injury or disease that renders an injured employee unable to ever return to gainful employment.
What is permanent total disability?
400
This person can be hired to perform services without being subject to the hirer’s direction and control regarding work details.
What is an independent contractor?
400
A federal statute that eliminates the right of most maritime workers (other than crew members of vessels) to sue their employers and, in return, requires such employers to provide injured or ill workers with benefits like those provided by state workers compensation statutes.
What is United States Longshore and Harbor Workers' Compensation Act (LHWCA)?
400
The increases or reduces the premium for a future period based on the insured's own loss experience for a period in the recent past.
What is Experience Rating?
500
First-dollar benefits are ordinarily provided; no deductible or coinsurance provisions are imposed on the employee as under most medical insurance plans.
What are medical benefits?
500
These employees have all the outward appearance of regular employees, work continuously for the same firm and are subject to control by the firm just as they would be if they were its direct employees.
What are leased employees?
500
This is a disability caused by a work-related disease that temporarily renders an injured employee unable to perform any job duties for a period of time. After that period, the worker is expected to be able to resume all job duties.
What is temporary total disability?
500
Voluntary insurance Assigned risk plans State funds or employers mutual insurance companies Qualified self-insurance plans Self-Insured groups
What is a method for employer's meeting obligation for workers compensation?
500
This rating plan allow the insured to self-insure most of its workers compensation claims without establishing a qualifying self-insurance plan.
What is large deductible plan?
M
e
n
u