Here are the top 10 frequently asked questions regarding workers’ compensation:
- Who needs workers’ compensation?
According to the state law, anyone who works for an employer in California is subject to workers’ compensation, which makes this insurance a requirement for all employers.
- Is a husband and wife business partnership required to carry workers’ compensation insurance?
Insurance is optional for a couple who owns a business, unless they have at least one employee working in their organization.
- How are executive officers or directors of a private corporation covered?
All corporate employees, except sole owners, usually must be covered by a workers’ compensation policy.
- How is workers’ compensation obtained?
The California Department of Insurance website provides a list of agents and brokers who are authorized to write policies.
- How do you go about becoming self-insured?
Small companies within the same industry can form a pool for group self-insurance.
- What is the cost of workers’ compensation insurance?
Premiums are not regulated by the state and the rates can vary, depending on the carrier.
- What are the posting requirements for employers?
Employers must post the “notice to employees” poster in a conspicuous area of the workplace.
- Where can employers get the necessary forms if an employee is injured?
The insurance carrier or representative can provide claim forms in the amount requested.
- What procedure does the employer follow when an employee is injured or becomes ill?
The employer must provide a workers’ compensation form and return a copy of the completed form within a day of filing the claim.
- Can employees work during their recovery?
After a medical examination, a doctor can recommend the limits of the activities that the employee can perform.