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Garage door installer workers comp insurance will be there in case any of your employees are hurt while working for you. A workers comp policy, required by federal and state regulations, provides a host of protections and benefits all designed to get your employee well again and back to work as soon as possible.
For you, as a garage door installer, the insurance policy is a source of reassurance that your workers will be fully taken care of in case an unforeseen work related injury occurs.
In general, anyone who works for you is covered under the very comprehensive workers comp policy. There may be an exception if you hire independent contractors (They may have to provide their own WC policy.) but you’ll have to check with your state about that.
Subject to doctor approval and possibly some mandated fee schedules, workers comp insurance provides basically unlimited medical care for an employee who gets injured on the job. This includes transport to the emergency room, follow up visits to a doctors, therapy, hospital costs, approved medical tests, etc.
This insurance coverage extends to first aid treatment. If you or anyone else had to use first aid to quickly aid an employee when the injury occurred, even before emergency personnel arrived on the scene, any expenses resulting from that are covered. This would include the costs of any bandages or treatment medicine that was used.
Sometimes an employee injured on the job or stricken with a job related illness may have to take off from work for a short period of time. If that person is off for more than three days, workers comp insurance might make temporary disability payments that will help make up for the lost wages. In general, if a doctor asserts that your employee is unable to work, the employee can receive up to two-thirds of their normal wages (up to a maximum bi-weekly benefit). The payment may continue for up to four years depending on the injury.
If the employee cannot return to work, a doctor will have to determine if permanent disability will apply. Some of the factors that go into the doctor’s decision are the age of the employee, the date of the injury or illness, the severity of the physical injury and how much it prevents the possibility of future earnings.
Any rehabilitation treatment needed to help the employee get back on the job is also covered. This insurance coverage could include physical therapy and even retraining, if necessary.
If the employee cannot return to work at the job s/he was performing at the time of the injury, every effort will be made to prepare the employee to work at another job. For example, the policy would pick up the costs incurred if the employee had to go back to school.
Death benefits from a covered injury usually include an amount for funeral expenses as well as income for life for a dependent.