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California Workmans Comp
If you have come looking for information concerning California workmans comp you have come to the right place. Our web site is here to serve you and give you the info you need to make decisions regarding your company and your employees.
California workmans comp is a program provided by employers to protect their employees in the event of a work injury. This does not always have to be traumatic and violent injury. Some injuries are sustained by doing a certain type of work repeatedly for many years on end and some injuries are sustained while using certain tools or equipment. All of these qualify for benefits under this program.
Like most states in the United States, California workmans comp is designed to protect not only the worker but also employers. Employers need this affordable insurance so they will not be sued for everything they are worth when something happens to one of their workers.
This program differs from disability insurance in that it is a state mandated program providing benefits to those employees who have been affected negatively by injury or illness due to their employment. Federal employees are covered under a different program than the standard worker. If not employed by the federal government you are under a plan designed specifically by your state of residence. California workmans comp is only applicable in the state of California but multi state endorsements can be added with some carriers.
You can find the most accurate and up to date information by actually calling or visiting California’s state workers’ compensation office. They have a web site of their own. I suggest you visit it for assistance. If you need directions to California’s web site, there is a link from the U.S. Dept. of Labor’s web site. You will find it on the “Workers Compensation” page.
Thankfully for workers and for employers, the California workmans comp insurance program does not point fingers. It gives benefits no matter who was at fault: the employer, the employee, a coworker, or a customer. This keeps frivolous lawsuits from jamming up the court systems, which in the end benefits everyone in the state.
The benefits available under the California workmans comp systems are: medical expense, replacement income, and even vocational rehab benefits in some cases. This may sound like a lot, but it’s never really enough to make anyone rich. That’s the difference between this and a lawsuit. Any benefit payment received is going to be an amount determined by the type of injury. No one wants to lose an eye for a few thousand dollars. California workmans comp will cover two thirds of your average income prior to injury up to a certain level. Owners and officers can be added for coverage if they elect to be a covered on the policy.