Learn about the Workers' Compensation and its benefits.

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Workers' Compensation
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Learning Objectives

• Overview
• Know the legal requirements.
• Understand the methods to meet requirements.
• Know what benefits workers receive.
• Understand what drives employer costs.

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Workers Compensation Overview

• State laws.
• Texas exception (employers can opt out).
• Federal government employees and those in
  maritime industries have different laws (e.g.,
  Longshore and Harbor Workers Compensation and
  Jones Acts).

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Workers' Compensation Overview

• Options to provide coverage (state laws differ)
• Commercial insurance.
• State funded.
• Risk pools.
• Self-insurance (for larger employers).

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Workers Compensation Overview

• Small employers usually buy workers' compensation
  insurance.
• Large employers may self-fund and/or
  self-administer.
• The employee gets the same benefits the
  difference is in the administration and cost.

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Eligibility for Benefits

• For workers who suffer injury or illness, the
  injury or illness must be work-related in and
  out of the course of employment, regardless of
  whose fault it was. This means the employee
  cannot sue his or her employer for pain and
  suffering for work-related injuries and
  illnesses.
• Usually, the employees exclusive remedy against
  the employer is wage-loss benefits and necessary
  medical or rehabilitation treatment.

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Workers Compensation Benefits

• Benefits include all reasonably necessary medical
  treatment.
• Employers can challenge the reasonableness of
  treatment.
• Employers can challenge medical bills for errors
  or charges in excess of state guidelines.
• Rehabilitation (therapy, education).
• Death benefits for survivors.

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Summary

• Workers' compensation is legally required.
• The costs are variable and can be reduced.
• Employees should be treated with respect and
  dignity, and without retaliation.

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Scudder Seguin, PLLC
Workers' compensation attorneys at Scudder
Seguin, PLLC dedicate themselves to obtaining the
benefits our clients need for their pain and
suffering. If you have been seriously injured in
the workplace and you are in need of an attorney
who can help you receive compensation, we may be
able to help. Contact our law firm today at (919)
851-3311 for a free case evaluation and we can
begin informing you on your rights and
options.Check our website https//www.scudderseg
uin.law
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Thank You