Workers Comp Insurance in San Diego

Workers Comp Insurance in San Diego

If you’re employed in San Diego, here are a few things you must know about workers comp insurance in San Diego. As per the laws of the state of California, your employer must have a worker’s compensation insurance. In case of a disability or accident caused at work or while carrying out your job-related duties, such as traveling to another city on work, you will be entitled to compensation.

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How does it work?

Workers comp insurance in san Diego as well as across the country was designed to protect workers who have suffered disability and illness due to their work and are no longer able to earn an income to support themselves and their families. The employer also benefits from the insurance, as he is not held liable for the injury caused to the employer. By accepting workers comp insurance in San Diego at the time of joining a job, workers implicitly agree to equal responsibility in case of an accident or other events that prevent them for working.

In the state of California, Workers’ compensation insurance provides 5 basic kinds of benefits. These are medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and death benefits. In medical care and temporary disability benefits, the employer pays the employee while he recovers from illness or disability. In case of death caused at or during work, workers comp insurance in San Diego will enable payments to surviving members and dependents of the employee’s family.

In case of an injury

Now that you’re aware how workers comp insurance in San Diego works, it’s important for you to understand what to do in case of an injury. First of all, make sure that you report the injury immediately to your supervisor. Follow up to make sure other senior members of the organization are aware of this as well. If you developed an illness over a period of time and believe that it was caused at or because of your work, don’t hesitate to inform your managers and other seniors whenever you discovered the illness. Remember, that as per the rules of the workers comp insurance in San Diego and the rest of California, employers have to be informed of the illness within 30 days or you may experience delays in receiving compensation. Report the injury to your employer by telling your supervisor right away. If your injury or illness developed over time, report it as soon as you learn or believe it was caused by your job.

 

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