Knowing and being aware of the ins-and-outs of CT workers comp as both an employer and employee is extremely important. Simply, it’s a form of insurance that provides wage replacement and medical benefits for employees who are injured in the course of employment. Those businesses that pose a significant risk of injury to their employees, especially construction firms and other labor- intense jobs, are especially subject to workers comp claims,however that doesn’t mean that office-based jobs aren’t susceptible entirely.
Since this subject can include a wide variety of employers and employees, we must first take a look at the law itself. The CT workers comp law states:
When any principal employer procures any work to be done wholly or in part for him by a contractor, or through him by a subcontractor, and the work so procured to be done is a part or process in the trade or business of such principal employer, and is performed in, on or about premises under his control, such principal employer shall be liable to pay all compensation under this chapter to the same extent as if the work were done without the intervention of such contractor or subcontractor.
Regarding employees who are unsure of how this policy works, here’s a great layout of how it works:
Workers’ compensation laws provide money and medical benefits to an employee who has an injury as a result of an accident, injury or occupational disease on-the-job. It is intended to benefit the employee and employer alike. The employee receives money (usually on a weekly or biweekly basis) and medical benefits in exchange for forfeiting the common law right to sue the employer. The employer benefits by receiving immunity from court actions against them by the employee in exchange for accepting liability that is limited and determined.
Hopefully you now have a better understanding of the basics of CT workers comp. Give Paradiso Insurance a call today or stop by our office at 8 East Main Street, downtown Stafford Springs for any other CT workers comp information you may need!