Top 6 Work Comp questions answered

Workers’ compensation benefits provide the medical treatment employees need to recover from a work-related injury and return to work safely. Laws vary by state, but employers generally carry work comp insurance for their workers, and it just makes good business sense to do so. 

Here’s what employers and employees need to know:

  1.  Who pays for benefits?
    Employers purchase workers’ compensation insurance, and the insurance company provides benefits if you are injured.

  2. What kind of help will an injured employee receive?
    In general, employees injured in the workplace receive compensation for medical bills, medication costs, and mileage to doctor appointments. Many cases include payments toward lost wages. If you are unable to return to your previous job, you may also receive vocational rehabilitation benefits.
  3. What’s the first step if I’m injured?
    If an injury is a threat to life or limb, call 911 immediately. For less serious injuries, contact a supervisor first. If your employer has insurance through SECURA, call Nurse Hotline (888-333-3334) with your supervisor present. A registered nurse will help assess your condition over the phone and help you determine next steps.
  4. How does the claims process work?
    If you’re the injured employee and need to seek medical treatment after consulting Nurse Hotline, a SECURA claims representative will contact you within 8 business hours to explain the claims process, ask questions, and make recommendations. Employers need not fill out extra paperwork because a call to Nurse Hotline automatically starts the claims process.
  5. How will an employee know when’s the right time to return to work?
    Part of the SECURA claims process is their Return-to-Work program, designed to get injured employees back on track. A claims rep will work directly with the injured employee, their doctor, and the employer to determine appropriate work duties. 

    If the employer is unable to provide light duty work to match any medical restrictions, the claims rep may recommend a transitional return-to-work or temporary placement at a local nonprofit.
  6. Does Work Comp cover emotional distress caused by a traumatic work experience?
    Most work comp benefits only provide physical medical care. But when a workplace incident goes beyond injury to tragedy, it can result in emotional trauma, too. SECURA’s Crisis Care is included with all its work comp policies. If a traumatic incident occurs in the workplace, counseling and psychological support may be available.
If you're an employer, be sure to check out the benefits of SECURA's Work Comp policy — it can provide the best care for you and your employees. And if you're an employee, ask about your work comp benefits and recommend SECURA to your employer.