Electricians Workers Compensation is a type of insurance that provides medical care or cash benefits to employees that become ill or become injured while on the job. As the employer, it is your responsibility to pay for coverage for your employees, and you are not permitted to require them to contribute at all to the cost.

Understanding The Basics Of Workmans Comp

According to the New York Workers’ Compensation Board, medical care and weekly cash benefits will be paid to employees who have become ill or injured in direct relation to the job through your insurance policy.

When it comes to electricians Workers Comp, no party is ever determined to be at fault. The amount that the injured or ill employee receives in benefits will not be reduced because the incident took place because of their own carelessness or was increased at the fault of the employer. On the other hand, if it is determined that the employee was under the influence of drugs or alcohol at the time of the accident or the injury was intentional, either by the employee or another person, the right to benefits will be lost.

If you and your insurance provider are in agreement that the illness or injury is in fact related to the job, the claim will be paid. However, if there is any dispute, no benefits will be paid until a judge determines who is right. If the employee is denied benefits due to such a dispute, they may be able to receive disability benefits until the dispute is settled. It is important to note, however, that any payments that the employee receives through the disability program will be deducted from the electricians Workmans Compensation benefits they are awarded in the future.

If the employee is able to go back to work, but are not able to perform on a level that makes it possible to earn the same wages as they did before the illness or injury, they may be able to receive two-thirds of the difference through electricians Workmans Comp benefits.

What Workers Comp Covers

Now that you understand that your policy will pay some of the lost wages and medical expenses of an employee that is injured while on the job or contracts some kind of illness or disease that relates directly to their work, you need to understand just what that includes.

The benefits that an employee receives through your coverage is based on the severity and type of injury or illness. It is important to note that there are four different types of electricians Workers Compensation benefits, which include:

• Burial benefits that will cover some of the expenses associated with an employee’s funeral if the illness or injury leads to death

• Death benefits that will provide some of the wages lost to an employee’s family if they are killed while on the job

• Income benefits will provide an employee with a portion of their lost wages

• Medical benefits will provide payment for the medical treatment related to an illness or injury sustained while on the job

Just as important to point out are the things that electricians Workers Compensation will not pay for, including:

• Self-inflicted or intentional injuries

• Injuries that result from voluntary alcohol or drug intoxication or horse playing

• Injuries that are inflicted by another party for personal reasons that are not related directly to the job

• Injuries that result from acts of God, such as hurricanes or floods

Affordable Coverage from a Reliable Provider

For more than seventeen years, Joyce Insurance Agency of Stony Point, New York, has been providing service and savings on insurance products that are not matched by any other. The agency founder, Barnaby Joyce, is not only a committed business owner, but also is well known North Rockland community leader.

The Joyce Insurance Agency team has a firm understanding of life in Stony Point, New York. For this reason, all members of this agency take a certain level of personal pride in the success of the companies that they insure.

You have the benefit of reliable provider that is willing to take a more personal approach to offering you the most economical electricians Workmans Comp insurance. As an independent agency in Stony Point, New York with ties to a wide range of national insurance carriers, the ability to provide you with electricians Workers Comp insurance that is tailored to meet your specific needs.

Every minute that you lose in productivity is crippling to your electrician business. Barnaby Joyce is a highly trained specialist who will work diligently to effectively and quickly resolve any claims that you have to file. For a full explanation of the available coverage from Joyce Insurance Agency, call 845-942-7200 or click on the quote request button now.