Employees filing claims for workers’ compensation insurance can only do so if their injury or illness is caused by their duties while on the job.
Common examples include:
- a slip or fall
- a strain on the body from heavy lifting
- injuries that have resulted from an accident while operating machinery
The injured parties must visit a healthcare professional immediately so a medical doctor can provide medical reports to support any claims. Upon approval by the insurance carrier, the employee will receive compensation payments and can return to work when cleared.
Fleet Owners who lease on to Motor Carriers sometimes need to offer Workers’ Compensation coverage for their employee drivers.
Owner/Operators have the option to purchase their own coverage called Occupational Accident Insurance (OAI). OAI and is used for medical benefits and disability coverage in the event of an injury on the job.
This coverage option typically costs about half of a traditional workers compensation policy coverage cost. It will not have all the benefits that workers compensation coverage provides.