Employers typically purchase workers’ compensation insurance as a benefit to cover employees. Business owners can buy workers’ comp insurance from private insurance companies or state-funded programs. Most states require businesses to carry workers’ compensation insurance. An important exception to note is that this is not the case in Texas and New Jersey. In those states, coverage is elective. In the case an employer does not cover their employees, workers’ comp can be purchased by the employee.
As an employer it is important to establish policies to follow in the event of a work-related injury. If an employee is injured on the job, they should report the injury to their supervisor immediately. When the injury is reported, the report should include the date, time, and circumstances of the injury. Each state has different requirements about when an injury should be reported, but it’s always best to report the injury as soon as it happens.
Job-related illnesses that worsen over time should be reported as soon as a diagnosis has been obtained by the employee or as soon as they learn the injury or illness is related to their job. Make sure your employee gets the proper medical treatment if they are injured on the job. If you need to, call the ambulance, or take them to the emergency room. If their recovery requires time off from work, approve their request.