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Coverage Requirements All employers with one or more employees must carry workers' compensation insurance. Sole proprietors and partners may opt in. Independent contractors are excluded unless misclassified. Employers must post Form WCP-1 visibly at the […]

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 […]