Business owners who have employees are bound by the laws in various states to apply for insurance covers for their employees. Worker’s compensation settlement is an aspect of insurance that allows workers to access compensation when they are injured on the job.

Business owners in Jersey, GA, are bound by this. Thus all businesses must apply for an insurance cover that includes workers’ compensation. However, most insurance firms do not fully cover church employees and the clergy. Thus it is vital to look for an insurance cover that fully protects your church and its employees.

Accidents happen in churches more frequently than people think, leading to serious bodily injuries and loss of income. This can lead to lawsuits against the church on the grounds of negligence. Your church may not be able to pay for legal services or the hospital bills incurred by the employee; thus, it is better to have an insurance cover that includes workers’ compensation coverage.

1. Workers Compensation process

Although you have been injured on the job, you cannot receive compensation before following the proper process, including filing a complaint before the state deadline. The employee and the employer have different roles before the claim is handed over to the insurance company.

It is the employers’ duty to:

Provide paperwork and guidance to the employee

The employer or the management team should provide the necessary insurance paperwork for the employees to sign. Additionally, they should guide them on what to include in the paperwork and what to leave out.

File the claim with the insurer

The employer should file the paperwork on behalf of the employees so that the insurance company can process the compensation.

Comply with state laws

although there are rules that the U.S government sets, the laws vary in various states. Insurance claims are null if they are not reported on time as per the state requirements; thus, employers must ensure that they say work injuries before state deadlines.

The employee must:

Notify the employer of the injury.

They should give the employers details such as the type of injury, the time and date it occurred, and what caused it. Additionally, it must be a work-related injury. You cannot be compensated if you were injured on your way to the workplace.

 Additionally, if your injuries occurred due to disobeying company policies, you will receive no compensation.

Fill the formal workers’ comp’ claim.

The employer can assist the employee in filling the form so that all the details are filled correctly as per the laws of Jersey, GA. Additionally, the employer must submit the compensation form to the insurance offices before the state deadline.

Filing the Claim

Once all the requirements are attained, the employer files the claim with the insurance company. The employees’ doctor should also submit a medical report that details the injuries sustained. 

Rejection or approval of workers compensation Claims

Upon reviewing the case, the insurer may choose to approve or reject the claim. If it is accepted, the employee can:

• Accept the payment offer that can cover medical bill and loss of wages
• Negotiate for a lump sum or an increment.

On the other hand, if it is rejected, they can:

• As the insurer to review their decision
• Appeal

Returning to Work

The employee must inform the employer and the insurance company when their health is restored and they are ready to go back to work. If their injuries were extensive and they are undergoing physical therapy, the insurance firm may continue paying them disability benefits.

Who is responsible for workers compensation

As an employer, you have to ensure that your employees work in a safe and secure environment. However, some workplace accidents cannot be prevented. These accidents can cause serious injuries that require hospitalization.

As a business, you may not be able to cover the hospital bills of the employee. That is why it is important to seek workers’ compensation insurance cover. That way, in case they are injured in the line of duty, the insurance policy will pay their hospital bill, disability benefits, and loss of wages.

However, if your employees are always injured while at work, your insurer may increase your compensation, therefore it is advisable to put protective measures in place to prevent injuries.

3.How to claim the worker's compensation

Once the insurance firm receives the claim form, they investigate the matter to ensure that the case is genuine. Upon the investigation and the firm discovers it is a genuine case, they will approve the claim.

The complainant receives financial support to cover the medical bills and support due to loss of wages. However, if the injury caused permanent disability, the employee is paid more. They may also receive disability benefits throughout their lives as they may never work again.

Additionally, the injured workers can seek to be paid a lump sum rather than partial payments. If the insurer has not paid the employee after some time, the employer should follow up on the issue so that the employee can be paid.

It is important to note that workers’ compensation only covers physical injuries. Thus it does include psychological trauma or stress due to work. Additionally, you will reserve no compensation benefits if you were injured due to fighting. You should also receive compensation if you are involved in an accident while on official business in the business automobile.

Church Insurance Man

Church Insurance Man is an insurance firm in Jersey, GA that is passionate about serving churches by offering them various forms of insurance programs for the church and employees. In most states, it is mandatory to pay workers’ compensation policy. Failure to do so can lead to serious fines or even lawsuits by the employees.

Due to Covid 19, we understand that most church leaders are concerned about meeting the church budget. Thus we want to take the burden of insurance off your shoulders. We offer customized insurance that fits the needs of churches.

Apart from churches, we offer our services to non-profit organizations. We partner with other companies to bring you the best services at an affordable cost. That way, we will save your church or organization hundreds of dollars.

We offer various insurance packages for churches. We provide general liability cover, property liability cover, and worker's compensation policy. All these services are to ensure that your ministry does not suffer due to unforeseen circumstances.

Reach out to us today via a call or email, and we will explain to you all you need.