Workers’ Compensation FAQs
At Beacon Insurance Agency of Pace, Inc. we have nearly two decades of experience in working with churches, nonprofit organizations and Christian schools in the Pensacola area to provide them with the insurance they need. As a provider of all types of insurance including Workers’ Compensation insurance, we often answer questions such as, “How does Workers’ Compensation work?” At Beacon, we know that it’s an important question for all employers to know the answer to, regardless of the size of their business or the type of organization they run
How does Workers’ Compensation work?
Workers’ compensation insures employees against wages lost or medical costs related to job-related illness or injuries. Ill or injured workers receive a certain portion of their wages while they are unable to work and receive compensation for the cost of their care.
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How does Workers’ Compensation work in ministry?
Workers’ Compensation insurance for churches and ministries works in the very same way as it does for all other entities. While Florida Law does not require that smaller businesses and organizations employing fewer than four people have Workers’ Compensation coverage, we urge ALL of our clients to invest in coverage. Any incident, no matter how seemingly small, could take a great financial toll, so having a Workers’ Compensation policy will provide them with the protection they need.
Can an employee sue their employer if they are receiving Workers’ Compensation?
No. Workers’ Compensation is a no-fault program. This means that injured employees do not legally have to prove negligence on the part of their employer in order to receive benefits, but neither can they sue their employer for their injuries
Who does Workers’ Compensation cover?
Workers’ Compensation covers only employees of the business or organization.
How does Workers’ Compensation work in covering injuries or illness?
Workers’ Compensation covers work-related injuries and illness. These may not have to be related to a single incident. Repetitive stress injuries or illnesses resulting from continuous exposure to certain chemicals in the work environment may give rise to a workers’ compensation claim. In addition, employees do not have to be on the premises to receive coverage. Injuries or illness that arise during the course of performing any work-related tasks at their employer’s request – whether on or off-site – will fall under Workers’ Compensation. Injuries that occur while an employee is driving to or from work, however, are not considered work-related accidents. In the event that a drug or alcohol test is conducted after an accident the employee fails such a test, the employer will not be accountable. Self-inflicted injuries or intentional acts of the employer or other employees are also not covered by Workers’ Compensation.
How does the Workers’ Compensation claims process work?
Injured or sick employees must report their injuries or illness to their employer and must submit specific forms. If the employee does not report the injury within a certain period of time, they will potentially lose their right to receive benefits. Employers also must provide all employees with fact sheets or pamphlets regarding their rights and responsibilities in addition to displaying the posters required by state law. Once the employee properly submits the forms, compensation will be determined in accordance with state law.
In our years of working with these special clients, we have formed relationships with GuideOne Insurance and Church Mutual, two of the most highly regarded insurance providers in the nation. These partners strengthen our ability to serve the many needs of our clients and provide them with invaluable safety resources that guide them along as they fulfill their mission to serve the community. “How does Workers’ Compensation work?” is a question we have answered many times, and we work closely with our clients to find coverage plans that will benefit them and keep their work environment safe.
Insure your church and its employees against injury and illness! Call the experienced agents at Beacon Insurance Agency to learn more about how Workers’ Compensation works and the coverage we offer today!