Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
Clark Carroll Insurance Agency can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line.
Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.
Illinois, What you need to know about workers compensation insurance:
Types of WC coverage
The policy includes four types of coverage:
Medical benefits include employee medical bills to treat employee job-related injuries and diseases. The policy also covers for the costs associated with the equipment needed to cope up with the injury like if an injured employee needs a wheel chair, the policy will pay for it.
Disability falls under four categories:
Temporary Total Disability: This is a disability that is for a limited time and prevents you to go to work for a certain number of days.
Temporary Partial Disability: This is a kind of disability that makes you unable to do certain duties in your job description for a limited number of days.
In both of the disabilities mentioned above, the insurance company pays the employee an amount calculated by a percentage of employees wage.
Permanent Total Disability: This kind of disability stops you to going to work forever. In such disability, you are paid a certain percentage of your wage for the rest of your life.
Permanent Partial Disability: This happens when the disability is permanent but partially impairs you from doing your duties. While in this disability you are paid for about 619.25 weeks.
Injury That Results In Death
In case of death, the insurance policy compensates to the employee’s spouse or family.
The policy pays for employee’s therapeutic care including physical therapy. It provides coverage for training and other cost associated in helping the employee recover from the injury.
To find out more about this product and other products and services, contact Clark Carroll Insurance Agency today by calling 815-244-1570