Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

Workers’ compensation insurance is essential in ensuring that employees are adequately cared for and financially supported in the event of workplace accidents or illnesses. Contact the Garrison Agency serving Guymon, Oklahoma, Liberal and Elkhart, Kansas, and the surrounding areas, to get a workers’ compensation quote.  

What Is Workers' Compensation Insurance? 
Workers' compensation insurance is a crucial financial safety net designed to protect employees and employers. It is a type of insurance that provides benefits to employees who experience work-related injuries or illnesses.  

These benefits typically include medical coverage, wage replacement and rehabilitation services.  

Who Is Required to Carry Workers' Compensation Insurance? 
In many states, employers must carry workers' compensation insurance. Specific requirements may vary by state and the number of employees a business has. Your agent can help determine whether workers’ compensation insurance coverage is appropriate for your organization.  

How Does Workers' Compensation Work? 
When an employee suffers a work-related injury or illness, they must promptly report it to their employer. Reporting incidents in a timely manner is essential for smooth processing of workers' compensation claims. 

Once an injury or illness is reported, employers should provide the affected worker with information on designated medical providers. The employee can choose a doctor from this list to provide medical treatment. This authorized treating physician will oversee the employee's medical care throughout the claim process. 

The affected employee, or someone acting on their behalf, must file a workers' compensation claim with their employer or their employer’s insurance carrier. This typically involves completing necessary claim forms and providing relevant documentation related to the injury or illness. 

The chosen authorized treating physician will evaluate the employee's condition and recommend appropriate medical treatment.  

If the employee's condition prevents them from working, they may be eligible for temporary total disability benefits. These benefits generally provide a portion of the employee's wages while they are unable to work due to the incident. 

In some cases, the affected worker may be able to perform some work despite their injury or illness but cannot resume their regular job or full-time hours. Temporary partial disability benefits may help compensate the worker for the difference in earnings during this period. 

If the employee sustains a permanent impairment or disability due to their work-related injury or illness, they may be eligible for permanent partial disability benefits.  

Workers' compensation insurance may cover vocational rehabilitation services if the employee cannot return to their previous job due to the injury. Vocational rehabilitation helps the worker acquire new skills and find suitable employment. 

Contact Us 
Contact the Garrison Agency today to learn about your state’s workers’ compensation regulations and get a personalized quote for this essential coverage.