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Workers Compensation Information
Workers Compensation in Portland, Oregon
Whenever someone sets foot in the workplace, they will face occupational injury risks. After all, accidents can happen in any line of work. When they do, they could cause the affected employee significant challenges triggered by both a loss of income and significant recovery expenses. Workers’ compensation insurance is designed to provide them with the support they need during their recovery.
Oregon law requires most business owners to purchase workers’ compensation insurance, and you should consider this policy a critical portion of your risk management strategy. To get your benefits today, contact Arnold Bruce & Doerfler Insurance at (503)-222-1951 or click here for your free quote.
Common Workers’ Compensation Questions
How does workers’ compensation work?
Workers’ compensation provides financial support to someone who sustains an injury, illness or other physical harm while on the job.
When such injuries occur, the victim might face costly medical hardships. They might also face a loss of regular income since they can’t work as a result of their injury. Therefore, they could face income insecurity simply as they try to recover from such an injury. Workers’ compensation supplements this income so that injured parties are not faced with trying to fund their own recovery on their own.
Who needs workers’ compensation?
When an employee sustains an injury on the job, most state laws make the employer liable for the injury even if the matter was simply an accident. All in all, every employee has a right to be supported if they get hurt because of their job. The employer’s workers’ comp insurance will provide that support while freeing the employer from liability for the accident, which can prevent most injury lawsuits.
Oregon law requires every business with at least one full- or part-time employee to carry workers’ compensation insurance, with limited exceptions. Speak to one of our agents to learn more about your precise workers’ comp insurance requirements.
What does workers compensation cover?
Numerous injuries can qualify an employee for workers’ compensation. These include:
Some of these injuries, namely repetitive motion and toxic exposure injuries, might not happen in an instant, but develop over time. Still, even if it takes years for an injury to make itself apparent, the affected party might qualify for workers’ compensation insurance.
At the time of filing for workers’ compensation, the employee will have to document their claim, receive appropriate medical attention and then submit the documentation to the insurer. At this time, the insurer will work within the terms of workers’ compensation law to determine the financial assistance to which the claimant is entitled.
What does workers compensation cost?
With the assistance of your workers’ compensation insurance agent, you can determine the policy that will best fit within your overhead budget. Costs vary between plans, but we are committed to helping you find a policy that meets all compliance standards without forcing you to pay excessively.
Workers Compensation for Repetitive Motion Injuries
When to Allow Workers' Comp Employees to Return to Work
How do Disability Benefits Work with Workers Compensation?