The Hartford’s Guide to Workers’ Comp

Written by on 8/12/2011 10:00 AM . It has 3 Comments.

WHAT IS IT – It’s “on-the-job” insurance for injured workers.

 Workers’ comp provides benefits to your employees for work-related injuries or illnesses. This includes reasonable expenses for necessary medical care, wages from lost work time, disability benefits and survivor or death benefits.

 WHY DO YOU NEED IT – Health insurance is not a substitute.

 When one of your employees gets hurt on the job or has a work-related illness, only workers’ comp will cover them. Health insurance won’t even consider the expenses, like your employee’s pay or medical deductibles.

 WHAT IT COVERS – Full-time, part-time – maybe even you.

 The laws vary by state, but full-time and part-time employees are covered by workers’ comp and in some states business owners, partners and officers may be covered too.

 WHAT IT COSTS – Rates are based on three key factors.

 It depends on the business you’re in, your workers’ comp track record and how that compares to other companies in the same business. And finally, it depends on how much you pay your people.

 ABOUT CLAIMS – Report it right away, big or small.

 The best thing you can do for your employees – and for you – is to immediately report all on-the-job injuries or work-related illnesses. This will help them get the care they need and protect you in case their small cut with a few stitches turns into something much bigger down the road.

 AUDITS – An audit is a good thing.  Really.

 The purpose of an audit is to make sure you’re paying the right premium so that you don’t pay too much or too little. The result may even be a refund.

 HOW TO BUY IT – Your choice today could last a lifetime.

 Having workers’ comp may not be a choice. But who you get it from is. Ask questions, compare coverage and look at reputation. Your decision could make the difference in the life of your employees.

Comments

Got something to say? Join the discussion »
  1. changhon62's avatar changhon62
    http://www.nikeairvapormaxflyknit.us.com/ nike vapor max
    http://www.adidas-ultraboost.us.com/ adidas ultra boost uncaged
    http://www.pandora-jewelrysale.us.com/ pandora jewelry official site
    http://www.hermesbirkin-handbags.us.com/ hermes wallets
    http://www.katespadepurses.us.com/ kate spade crossbody
    http://www.longchampbag.us.com/ longchamp bag
    http://www.lebron15-shoes.us.com/ lebron 11
    http://www.curry4-shoes.us.com/ kyrie irving shoes
    http://www.pumafentyrihannashoes.us.com/ puma clyde
    http://www.jordans11shoes.us.com/ jordan 11 space jam
    http://www.birkenstocksandalssale.us.com/ birkenstock outlet
    http://www.kyrie-4.us.com/ kyrie 3s
    http://www.salomonspeedcross3.us.com/ salomon
    http://www.jordan11spacejams.us.com/ jordan 13
    http://www.adidasnmdrunnerr1.us.com/ ultra boost
    http://www.louboutinredbottoms.us.com/ red bottom shoes for men
    http://www.pandorajewelryrings.us.com/ pandora
    http://www.fitflops-sale.us.com/ fitflop uk
    http://www.nikeairmax-90.us.com/ air max 97
    http://www.adidasyeezy-350.us.com/ ultra boost mens
    http://www.pandorajewelryscharms.us.com/ pandora bracelet
    http://www.fitflopsshoes.us.com/ fitflop sandals
    http://www.kd10-shoes.us.com/ kd 9
    http://www.yeezyboost350shoes.us.com/ yeezy shoes
    http://www.airmax90shoes.us.com/ nike air max 2016
    Reply 4/28/2018 11:12 PM
  2. changhon62's avatar changhon62
    http://www.airmax90shoes.us.com/ nike air max 90
    http://www.jordans11shoes.us.com/ jordan retro 12
    http://www.adidasnmdrunnerr1.us.com/ adidas nmd womens
    http://www.hermesbirkin-handbags.us.com/ hermes purse
    http://www.salomonspeedcross3.us.com/ salomon shoes
    http://www.jordan11spacejams.us.com/ jordan space jams
    http://www.adidas-ultraboost.us.com/ ultra boost black
    http://www.pandorajewelryrings.us.com/ pandora jewelry
    http://www.pumafentyrihannashoes.us.com/ puma sneakers womens
    http://www.adidasyeezy-350.us.com/ adidas originals nmd
    http://www.longchampbag.us.com/ longchamp
    http://www.pandorajewelryscharms.us.com/ pandora bracelet
    http://www.nikeairmax-90.us.com/ air max tn
    http://www.birkenstocksandalssale.us.com/ birkenstock
    http://www.fitflops-sale.us.com/ fit flops
    http://www.kd10-shoes.us.com/ kd 9 elite
    http://www.katespadepurses.us.com/ kate spade bags
    http://www.kyrie-4.us.com/ lebron james shoes
    http://www.fitflopsshoes.us.com/ fitflop sale
    http://www.pandora-jewelrysale.us.com/ pandora jewelry official site
    http://www.curry4-shoes.us.com/ curry 1
    http://www.yeezyboost350shoes.us.com/ yeezy 950
    http://www.lebron15-shoes.us.com/ lebron
    http://www.louboutinredbottoms.us.com/ red bottoms for men
    http://www.nikeairvapormaxflyknit.us.com/ air max 90
    Reply 5/13/2018 1:51 PM
  3. changhon62's avatar changhon62
    http://www.polo-ralphlauren-outlet.us.com/ polo ralph lauren
    http://www.kyrie-4.us.com/ kyire 4
    http://www.adidasyeezy-350.us.com/ yeezy shoes
    http://www.jordanretro11-shoes.us.com/ jordan retro 11
    http://www.northfacejacketoutlets.us.com/ north face
    http://www.ralphlaurenspoloshirts.us.com/ polo ralph lauren
    http://www.cartier-bracelet.us.com/ cartier bracelet
    http://www.adidasnmd-womens.us.com/ adidas nmd womens
    http://www.air-max-90.us.com/ air max 90
    http://www.jordans11shoes.us.com/ jordan 11
    http://www.hermesbirkin-handbags.us.com/ Hermes Handbags
    http://www.jimmychooheels.us.com/ jimmy choo
    http://www.longchampbackpack.us.com/ longchamp bag
    http://www.christianlouboutinredbottoms.us.com/ red bottoms
    http://www.barbours.org.uk/ barbour coats
    http://www.rayban-glasses.us.com/ ray ban glasses
    http://www.ray--ban.us.com/ ray ban
    http://www.balenciagas-sneakers.us.com/ balenciaga sneakers
    http://www.goyardbag.us.com/ goyard wallet
    http://www.louboutinredbottoms.us.com/ christian louboutin shoes
    http://www.salvatore-ferragamo.us.com/ salvatore
    http://www.skechers--shoes.us.com/ skechers outlet
    http://www.oakley--glasses.us.com/ oakley sunglasses
    http://www.pandorauk.us.com/ pandora rings
    http://www.jordan--11.us.com/ jordan shoes
    http://www.nike-airmax270.us.com/ air max 270
    http://www.fitflopsshoes.us.com/ fitflops clearance
    http://www.adidasoriginalsnmd.us.com/ adidas nmd r1
    http://www.hermes--belt.us.com/ hermes belt women
    http://www.fitflops-sale.us.com/ fitflop shoes
    http://www.moncler-coat.us.com/ moncler coat
    http://www.burberrys.org.uk/ burberry scarf
    http://www.monclerjacketwomens.us.com/ moncler coat
    http://www.nike--shoes.co.uk/ nike outlet
    http://www.yeezyboost350shoes.us.com/ yeezy boost 350 v2
    http://www.michaelkors-handbagss.us.com/ michael kors outlet
    http://www.salomonspeedcross3.us.com/ salomon xa pro 3d
    http://www.yeezyboost350--v2.us.com/ yeezy
    http://www.airmax90shoes.us.com/ nike vapormax
    http://www.pumarihannafenty.us.com/ puma rihanna
    http://www.nike-airmax-2018.us.com/ nike air max 2018
    http://www.swarovskisjewelry.us.com/ swarovski jewelry
    http://www.asics--shoes.us.com/ asics mens running shoes
    http://www.new--balance.us.com/ new balance
    http://www.swarovskis.us.com/ swarovski
    http://www.eccoshoesoutlets.us.com/ ecco boots
    http://www.airjordan11spacejam.us.com/ air jordan
    http://www.chromeheartsjewelrys.us.com/ chrome hearts
    http://www.curry4-shoes.us.com/ under armour stephen curry
    http://www.pandora--rings.us.com/ Pandora Jewelry
    http://www.chromehearts-jewelry.us.com/ chrome hearts jewelry
    http://www.adidasoriginalsultraboost.us.com/ adidas ultra boost
    http://www.longchampbag.us.com/ longchamp bag
    http://www.moncler--jacket.us.com/ moncler coat
    http://www.lacosteshirts.us.com/ lacoste outlet
    http://www.valentino--shoes.us.com/ valentino sandals
    http://www.monclerjacketmens.us.com/ moncler,moncler jacket
    http://www.skecherss.us.com/ skechers uk
    http://www.kyrie-irving-shoes.us.com/ kyrie 4
    http://www.nike-huaraches.us.com/ huaraches
    http://www.ray--bansunglassess.us.com/ ray ban
    http://www.monclerjacket.org.uk/ moncler
    http://www.burberry-bags.us.com/ burberry scarf
    http://www.adidas-yeezy-shoes.us.com/ Adidas Yeezy
    http://www.pandorajewelryscharms.us.com/ pandora jewelry
    http://www.nikeair-max.co.uk/ nike air max 97
    http://www.polo-ralph-lauren.org.uk/ ralph lauren, polo
    http://www.ugg--slippers.us.com/ uggs on sale
    http://www.air-max-270.us.com/ nike air max 270 men
    http://www.mulberrys.org.uk/ mulberry bayswater
    http://www.airmax95.co.uk/ nike air max 97
    http://www.kd10-shoes.us.com/ nike kd
    http://www.air-max-95.us.com/ nike air max 95
    http://www.pandoraearrings.us.com/ pandora earrings
    http://www.mcms.us.com/ mcm backpack
    http://www.air-max-97.us.com/ air max 97 mens
    http://www.redbottoms-louboutin.us.com/ red bottoms
    http://www.stephen-curry-shoes.us.com/ stephen curry shoes
    http://www.true--religion.us.com/ true religion jeans for women
    http://www.salomon-boots.us.com/ salomon xa pro 3d
    http://www.ed-hardys.us.com/ ed hardy jeans
    http://www.uggsformen.us.com/ uggs for women
    http://www.jordan11.co.uk/ jordan 11
    http://www.salomonshoes.co.uk/ salomon
    http://www.mbts.us.com/ mbt shoes
    http://www.nikekdshoes.us.com/ kd 9
    http://www.fitflop--shoes.us.com/ fitflop shoes
    http://www.monclers.uk/ moncler jacket mens
    http://www.supremeshirt.us.com/ supreme shoes
    http://www.pandorajewelryrings.us.com/ pandora necklace
    http://www.ferragamoshoess.us.com/ salvatore ferragamo shoes
    http://www.adidas-yeezyboost350.us.com/ yeezy shoes
    http://www.katespade--outlet.us.com/ kate spade bags
    http://www.northface-jacket.us.com/ north face outlet
    http://www.pandoras-uk.co.uk/ pandora jewelry
    http://www.truereligion--jeans.us.com/ true religion jeans men
    http://www.nikeair-max90.co.uk/ nike air max 95
    http://www.nikeairvapormaxflyknit.us.com/ nike air force 1
    http://www.mcm--bags.us.com/ mcm wallet
    http://www.skechersuk.co.uk/ skechers for men
    http://www.pandora--jewelrys.us.com/ pandora rings
    http://www.ultra--boost.us.com/ adidas ultra boost
    http://www.oakley--sunglassess.us.com/ cheap oakley sunglasses
    http://www.pandora-charmsjewelry.us.com/ pandora earrings
    http://www.pandora-jewelrysale.us.com/ pandora jewelry
    http://www.pandora-jewelrybracelet.us.com/ pandora,pandora charms
    http://www.nikeairmax270.org.uk/ nike air max 95
    http://www.ralphlauren--polo.us.com/ ralph lauren shirts
    http://www.huaraches.us.com/ huarache shoes
    http://www.airmax-2018.us.com/ air max 2018
    http://www.montblancs.us.com/ mont blanc pens
    http://www.yeezyboost350v2.co.uk/ yeezy boost 350
    http://www.mulberry-handbags.us.com/ mulberry sale
    http://www.asicss.us.com/ asics womens running shoes
    http://www.chrome--hearts.us.com/ chrome hearts ring
    http://www.airmax270.co.uk/ off white nike
    http://www.adidasnmds.co.uk/ adidas nmd
    http://www.nikeairmax-95.us.com/ nike air max 95 mens
    http://www.prada--bags.us.com/ prada
    http://www.rayban--glasses.us.com/ ray ban sunglasses
    http://www.supreme--clothing.us.com/ supreme jacket
    http://www.pandoras-jewelrys.us.com/ pandora rings
    http://www.james-hardenshoes.us.com/ harden vol 2
    http://www.katespadepurses.us.com/ kate spade outlet
    http://www.under-armour-shoes.us.com/ under armour outlet
    http://www.katespadebags.us.com/ kate spade bags
    http://www.adidas-ultraboost.us.com/ ultra boost
    http://www.fitflop--sandals.us.com/ fitflop
    http://www.nike--vapormax.us.com/ nike air vapormax flyknit
    http://www.birkenstocksandalssale.us.com/ birkenstock shoes
    http://www.kevin-durant-shoes.us.com/ kevin durant shoes
    http://www.burberry--scarf.us.com/ burberry scarf
    http://www.nikeairmax-90.us.com/ air max 90
    http://www.prada--handbags.us.com/ prada purse
    http://www.balenciaga--shoes.us.com/ balenciaga sneakers
    http://www.uggs--boots.us.com/ ugg boots
    http://www.pandorasjewelry.co.uk/ pandora
    http://www.vapormaxs.us.com/ nike air vapormax
    http://www.jordan11spacejams.us.com/ jordan shoes
    http://www.coach--bags.us.com/ coach bags
    http://www.coachbags-outlet.us.com/ coach handbags
    http://www.adidas-superstarshoes.us.com/ adidas superstar
    http://www.michael-kors-bags.us.com/ michael kors
    http://www.redbottom--shoes.us.com/ red bottom shoes
    http://www.adidasyeezys.org.uk/ yeezy boost 350 v2
    http://www.nikeairmax97.co.uk/ nike air max 97
    http://www.birkenstock--sandals.us.com/ birkenstock outlet
    http://www.lebron15-shoes.us.com/ lebron james shoes
    http://www.nikelebron15.us.com/ lebron
    http://www.bvlgaris.us.com/ bvlgari wallet
    http://www.nikeairmax-97.us.com/ air max 97
    http://www.celines.us.com/ celine wallet
    http://www.adidas--shoes.co.uk/ adidas shoes
    http://www.goyardbackpack.us.com/ goyard
    http://www.adidasnmdrunnerr1.us.com/ yeezy boost 350
    http://www.barbourjackets.co.uk/ barbour wax jacket
    http://www.uggs-forwomen.us.com/ ugg slippers
    http://www.adidas-yeezyboost350.us.com/ yeezy
    Reply 7/31/2018 6:06 PM

Leave a Reply

 [Quick Submit with Ctrl+Enter]

Remember my details
Notify me of followup comments via e-mail