Workers Compensation
Protect yourself, your employees and your pocketbook by allowing Garagefathers to provide you with low cost options for workers compensation.
Since almost every working Californian is protected by Workers’ Compensation benefits, it is important that employers and employees alike have an understanding of Workers’ Compensation insurance and how it works.
The Division of Workers’ Compensation (DWC) monitors the administration of workers’ compensation claims, and provides administrative and judicial services to assist in resolving disputes that arise in connection with claims for workers’ compensation benefits.
DWC’s mission is to minimize the adverse impact of work-related injuries on California employees and employers.
The California Department of Insurance (CDI) provides several tools to help employers who are shopping for workers’ compensation insurance or experiencing rating or underwriting problems.
What Benefits Are Available in a Workers’ Compensation Policy?
Depending on the circumstances of the injury or illness, injured workers are entitled to specific benefits as structured by workers’ compensation insurance. There are five basic types of workers’ compensation benefits that include medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits, and death benefits. Injured workers may be entitled to one or more of these benefits:
- Medical Care
- First Aid Treatment
- Temporary Disability
- Permanent Disability
- Supplemental Job Displacement Benefit
- Return-to-Work Supplement Program
- Death Benefits