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Virginia Workers’ Compensation Law Basics for Adjusters, Produced by AI

04 Sep, 2025 Frank Ferreri

                               
CategoryKey Information
Coverage RequirementRequired for employers with more than two employees regularly in service.
Nature of CoverageStatutory, no-fault insurance. Protects employers from civil suits.
Claim Filing DeadlinesInjury by accident: 2 years from date of accident (§65.2-601).
Occupational disease: Refer to §§65.2-400, 401, 406.
Indemnity BenefitsTemporary Total/Partial: 66⅔% of average weekly wage.
Permanent Total: Lifetime wage replacement.
Fatal: Wage replacement + funeral expenses.
Medical BenefitsLifetime coverage for necessary treatment.
Must offer a panel of 3 physicians (not in same practice).
Permanent DisabilityBased on body part loss (e.g., hand = 150 weeks, leg = 175 weeks) and impairment rating.
Claim DenialsMay be denied for:
- Willful misconduct
- Intoxication or drug use
- Safety rule violations
Adjuster RoleAccept/deny claims.
Communicate with worker and physician.
Adjust and settle claims.
Employer RoleLimited say in claim handling; relies on adjuster and carrier.
Return-to-Work ProgramsEncouraged to reduce claim costs and improve outcomes; offer light duty options.
Cost-Saving TipsSafety training, drug-free workplace, return-to-work programs, avoid audit premiums.

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About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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