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 […]

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 […]

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 […]

Category Details Governing Law Alabama Workers’ Compensation Act (§25-5-1 et seq., Code of Alabama 1975) Administering Agency Alabama Department of Labor – Workers’ Compensation Division Waiting Period 3 days; compensation begins on the 4th day. […]