Workers Compensation

Even with rigorous safety protocols and training, work accidents happen. Workers’ compensation insurance can assist your employees if they sustain work-related injuries or illness. For many employers, workers’ compensation is required by law and having it may help prevent litigation.  

The team of professionals at United Stone Insurance Services can help your business secure coverage. Contact us today for more information. 

What Benefits Does Workers’ Compensation Insurance Provide?  

Workers’ compensation may provide various benefits to employees who suffer an injury or illness as a direct result of their employment, including: 

• Medical benefits. Employees may receive compensation to cover doctor appointments, hospital visits and medications. 

• Wage-loss benefits. If an employee is unable to return to work at total capacity, wage-loss benefits may help the employee supplement their lost income. This benefit may last until the employee has recovered or until the wage-loss benefit limit has been reached.  

• Vocational rehabilitation benefits. Workers’ compensation may provide access to vocational rehab services that can help employees learn new skills and reenter the workforce after an injury. 

• Death/dependent benefits. If an employee loses their life because of a work-related injury or illness, workers’ compensation may help cover funeral costs and lost income. These benefits typically are provided to the spouse or dependents of the deceased.  

By accepting workers’ compensation benefits, employees generally waive their right to file a lawsuit against their employer. Worker’s compensation laws vary by state, which may impact the limits and duration of benefits and the type of employers that are required to have it. Consult with a licensed professional to discuss specific regulations that apply to your business. 

How Much Does Workers’ Compensation Insurance Cost?  

The cost of workers’ compensation depends on various factors, including the type of work performed and your payroll, claims history and location.  

At United Stone Insurance Services, we’re ready to help you secure workers’ compensation coverage for your business. Contact us today for more information or a quote.