Decoding Workers Compensation Plans

Workers compensation insurance in California offers benefits to many employees in various industries of work.  In order to take full advantage of the benefits that are available, it is important to know the structure of workers compensation insurance in California.  Here is a summarization of the different options that are available:

Part A Plan

Under Part A of the workers compensation plan, employee’s lost wages, and medical expenses are covered by the insurance.  If you are permanently injured due to a work-related accident or injury, you may receive disabled workers compensation.  Some workers compensation insurance companies may prefer to pay you a settlement in one lump sum.  Generally, the plan will compensate you for two-thirds of your salary; however, some states have limits on the maximum amount an employee can be paid.

Part B Plan

Part B offers coverage to the employer if an employee should file a lawsuit due to their injuries.  If an employee refuses the workers compensation benefits offered to them in Part A, they may be allowed to sue the employer for compensation for their sustained injuries.  If they win, they may receive monetary compensation for medical expenses, lost wages, as well as pain and suffering.  If they accept the benefits in Part A, then they abandon their right to file a civil lawsuit.

Workers compensation insurance in California offers to protect both employees and employers alike.  Rest assured that if you should happen to be injured while at work, you will most likely receive compensation that will help you to heal quickly.