Workers’ compensation insurance offers employers in Idaho financial protection if and when an employee is injured. This type of policy helps pay for lost wages and even medical care as needed. It also helps protect employers from lawsuits. If you’re currently looking for workers’ comp insurance in or near Boise, ID, contact us at Fuhriman Insurance Agency to learn more. In the meantime, continue reading to see how workers’ comp insurance works in Idaho:
- Coverage Requirement: In Idaho, with few exceptions, every employer who has one or more employees, full or part-time, must provide workers’ compensation coverage either by purchasing an insurance policy or by becoming self-insured.
- Reporting an Injury: If an employee is injured on the job, they should report the injury to their employer as soon as possible. The employer is then responsible for filing a report of the injury with the Idaho Industrial Commission within ten days of learning about the accident.
- Medical Treatment: The employee can choose their physician if an injury requires medical attention. However, Idaho employers can limit the choice of treating physicians if they provide a written list of physicians or a managed care organization has been designated.
- Wage Replacement: If an employee cannot work due to a work-related injury or illness, workers’ comp insurance provides temporary disability benefits. The amount typically equals about two-thirds of the employee’s average weekly wage, up to a maximum amount set by law each year. Permanent partial or total disability benefits are also provided if the worker’s injury leads to permanent disability.
- Legal Disputes: If there’s a dispute about the benefits, such as a denial of a claim, the worker can request a hearing before the Idaho Industrial Commission, which is the state agency that administers and enforces Idaho’s workers’ compensation laws.
And remember, if you’re currently looking for workers’ comp insurance in or near Boise, ID, be sure to contact us at Fuhriman Insurance Agency today!