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If you employ anyone as a woodworker, workers comp insurance is probably mandated by your state. It’s a good thing because a lot of things can happen to employees when they are working with precision tools and large blocks of wood.
There is always the potential for someone to accidentally get hurt and claim workers comp on the woodworker who employs him/her. The workers comp policy takes the worry off your shoulders because it prevents a tragic accident from escalating into a claim that could affect your personal assets and even your business. Woodworker workers comp insurance is an important part of your insurance program.
Workers comp insurance is a very comprehensive insurance policy. In most cases, it covers “every person in the service of another under any contract of hire, express or implied, oral or written”. The coverages are also very broad.
Woodworker's workers compensation insurance covers just about every conceivable medical care expense that could arise. For example it covers costs related to:
Additionally, the insurance covers any injured employee lost wages.
If immediate first aid is required in your shop where an employee was injured, workers compensation insurance will reimburse you for any expenses incurred.
This is also called short-term disability and generally refers to a situation where the employee might be out of work for up to a year. If that’s the case, usually the employee’s salary will be paid until the disability ends.
This means that it is confirmed that the employer is no longer able to work at the job. In that case, the permanent disability amount is a percentage (usually two-thirds) of the employee salary at the time of the injury.
When it is decided that your employee can go back to work after undergoing rehabilitation related to the skills needed to do the job, s/he will go to vocational rehab. This is what athletes do when they get hurt in a game, get operated on, undergo rehab and eventually come back and play again.
What this refers to is when an employee is deemed permanently unable to do their usual job but the employer does not offer other work. In that case, the employee would have to receive educational training or an enhancement of skills so another job could be procured. The benefit sometimes comes in the form of a voucher and covers tuition, books and other educational expenses.
If your employee passes away from a compensable injury, dependents as defined by the state law, are entitled to weekly cash benefits. It is generally equal to two-thirds of the deceased workers average weekly wage during the year prior to the injury. Payments for funerals and other death benefits may also be a part of the policy.
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