It is very important that business owners purchase insurance cover so as to ensure their workers are all covered in case of any issues or problems. There are quite a number of benefits for businesses that purchase insurance cover such as a workers compensation cover. All these benefits are directly enjoyed by workers who may suffer injuries while executing their duties at work. It is very important to provide workers with immediate medical attention so they may resume their duties as soon as possible. It is therefore advisable for California employers to purchase California workers compensation insurance.
It is in some instances a compulsory kind of insurance as the law in California requires any employer with 10 or more workers to take out this kind of cover. It is necessary because whenever a worker is injured hurt or stressed out due to work related matters can receive the kind of attention they desire. Any worker who gets hurt injured or otherwise encounters an illness in the course of executing their duties at work will have all their medical expenses covered.
There are basically different kinds of conditions that are covered. A onetime injury that occurs such as a slip and fall accident or an impact to the body will be treated and all related expenses covered. The same goes for an injury or wound that results due to continuous straining or repeated activity over a period of time. Even stress related injuries can be attended to. However a worker who is about to be laid of or who is informed of their impending termination may not seek treatment.
Sometimes patients or workers desire to be treated at the same locations where they normally receive treatment such as at their personal doctor’s practice. This can be organized if a document is signed and approved when the employer decides to purchase California workers compensation. Workers who unfortunately pass away while at work will have some benefit paid out to dependents such as spouse dependent children and other beneficiaries. Even workers who suffer temporary or permanent disabilities will enjoy a payout from the workers insurance cover.