Workers compensation is a type of insurance that provides financial protection to employees who suffer work-related injuries or illnesses. In Washington State, the Department of Labor & Industries (L&I) provides coverage for workplace injury and illness through a system of laws, regulations, and programs.
- Employers in Washington are required to provide employee Compensation insurance coverage for their employees. This is typically done through a private insurance carrier, but employers may also self-insure under certain circumstances. If an employer chooses to self-insure, they must provide proof of financial ability to pay benefits and must meet all of the requirements set forth by the state.
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- Employees who are injured on the job are eligible to receive worker's compensation benefits. These benefits can include medical expenses, disability payments, and job retraining. In addition, employees may also be eligible for death benefits if a work-related injury or illness results in death.
- As an employee, it is important to understand your rights and obligations when it comes to workers' compensation. You should always report any workplace injury or illness to your employer immediately. It is important to keep detailed records of any medical expenses or lost wages that you incur as a result of the injury. You should also monitor your claim status and keep in contact with L&I to ensure that your claim is being processed in a timely manner.
- Employers also have certain rights and obligations in regard to workers' compensation. Employers are required to provide a safe work environment for their employees and must comply with all of the laws and regulations set forth by L&I. Employers must also file workers' compensation claims on behalf of their employees and must provide the necessary information and documentation to process the claim.