Educating Your Employees on Worker’s Comp

According to the Department of Industrial Relations, businesses in California must provide workers’ compensation for their employees, even if they only have one staff member. It is important that you explain this coverage to your workers to ensure they understand their rights after an occupational injury or illness. Addressing the questions below is a good place to start in understanding workers’ comp.

Who is covered by workers’ compensation?

Any person that renders a service to your business in exchange for compensation must be provided coverage. This includes temporary, part-time, and full-time workers. Family members who work in the business must also have workers’ comp coverage – although the DIR outlines an exception for sole proprietors and partnerships, these do not have to obtain coverage for spouses, parents, or children. Independent contractors are also exempt from coverage.

What does coverage include?

Workers’ compensation provides six benefits to employees on an as-needed basis. They are as follows: medical aid, temporary and permanent disability benefits, supplement job displacement benefits, vocational rehabilitation, and death benefits to the families of workers who are killed.

How should an injured employee file a claim?

After being hurt or becoming ill on the job, an employee should report the incident to you, or a supervising manager. You must provide the worker with the appropriate paperwork within one business day after learning about the accident.

Answering the three questions above could help give your employees a basic understanding of workers’ comp. Once they understand their rights, you should make the time to also address their safety concerns.