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Coverage Requirements All employers must carry workers' compensation insurance for employees, including part-time and seasonal workers. Sole proprietors, partners, and LLC members may opt out. Corporate officers with ≥25% ownership may file Form 153 to […]

Adjuster EssentialsCore BenefitsClaims HandlingLegal ProcessesCompliance & PenaltiesResources Adjuster Essentials Core Benefits Overview Benefit Type Details Medical Benefits Covers all necessary and reasonable treatment. No co-pays or deductibles Temporary Total Disability (TTD) 2/3 of average weekly […]

Adjuster Essentials Core Benefits Overview Benefit Type Details Medical Care Covers all necessary treatment from authorized providers. No out-of-pocket costs. Temporary Disability (TD) Up to 2/3 of average weekly wage, subject to state max (e.g., […]

Adjuster CertificationCore BenefitsClaims HandlingLegal ProcessesResources Adjuster Certification & Training Core Benefits Overview Benefit Type Key Details Medical Care Must be reasonably necessary to cure or relieve injury. Governed by MTUS. Temporary Disability (TD) Paid when […]

Category Key Information Governing Law Texas Labor Code, Title 5; 28 TAC Chapters 102–180 Coverage Not mandatory for private employers; those who opt in must notify employees and post notices Injury Reporting Employee must report […]

State Snapshot BASIC RULE  Worker’s compensation is the sole remedy for employees who suffer injuries that arise out of and in the course of employment. N.J. Rev. Stat. § 34:15-7  This means that the employee […]

Category Details Governing Law Kentucky Revised Statutes Chapter 342 Administering Agency Kentucky Department of Workers’ Claims (DWC), under the Education and Labor Cabinet Waiting Period 7 days; compensation begins on the 8th day. If disability […]

Category Details Governing Law New Jersey Workers’ Compensation Act (N.J.S.A. 34:15-1 et seq.) Administering Agency NJ Department of Labor and Workforce Development – Division of Workers’ Compensation Waiting Period 7 days; compensation begins on the […]