In the event an employee is injured during the course of their employment, workers’ compensation will pay the medical costs associated with the injury and wages lost because of it.
What is covered under workers’ compensation insurance?
If an employee is injured while on the job – no matter how long they’ve been employed – workers’ compensation will not only cover their lost wages, it will also pay for medical bills associated with their injury or illness, including:
- Medical care
- Temporary total disability compensation
- Temporary partial disability compensation
- Permanent partial disability compensation
- Permanent total disability compensation
- Death benefits, including funeral and burial costs
Workers’ compensation is a no-fault form of coverage, which means an employee will still receive these benefits if an accident was their own fault, but it does not cover intentional self-inflicted injuries.If drugs or alcohol played a role in an employee’s injury, they might be denied disability benefits but still receive medical coverage with a workers’ compensation policy in Utah.
Do I need workers’ compensation insurance in Salt Lake City?
With very few exceptions, businesses are legally required to have workers’ compensation insurance for their employees in Utah.
Who pays for workers’ compensation insurance coverage?
It is the employer’s responsibility to purchase workers’ compensation coverage, and these costs cannot be deducted from an employee’s wages.
Do you need workers’ compensation insurance for part-time employees?
Yes. Workers’ compensation coverage is required not only for full-time employees but also for your part-time workers. With contract work, it is either yours or the general contractor’s responsibility to provide workers’ compensation coverage. Workers’ compensation plans in Utah do not cover volunteers.
To learn more about our workers’ compensation plans and find the right policy for your business, call Salt Lake City Insurance today!