Ever since the COVID- 19 cases started growing in the United States, the National Council on Compensation Insurance (NCCI) has been flooded with questions about its impact on the workers’ compensation claims. These questions also brought up the issues of the state-specific interpretations of the NCCI rules as captured in their manuals. Here’s what you should know about workers’ compensation, coronavirus, and your commercial insurance in Lubbock, Texas.
Workers’ Compensation COVID- 19 Claims
The workers’ compensation claims cover the benefits that the workers of an organization are entitled to in case of an emergency, pandemic, injury, or a natural disaster.
As per the NCCI, there isn’t a generic solution to the workers’ compensation issue. It will be dealt on a case-to-case and a state-by-state basis. For some understandable reasons, the claims for healthcare personnel and the first respondents who are at a relatively higher risk of contracting the disease have priority, and there is a good possibility of a successful claim.
Exposure vs. Contraction Claims
Although the employers are advised to carry out strict measures to ensure that their workplaces are safe, any employee who is at risk of exposure to the virus may submit a time loss claim by preparing a legitimate accident summary report in the presence of the insurer/employer.
A well-documented work-related exposure needs to be strictly borne by the insurer. In case of an actual contraction, the worker will receive the entire claim and the treatment cost.
Due to the tricky situation of some states having documented flu under the category of an ordinary disease, there is a possibility of the workers’ compensation claims for COVID-19 not being paid.
Whether or not they will agree to expand the coverage for individual workers is yet to be finalized. If you are looking for commercial insurance policies to help you get through these difficult times, you can contact the experts at Promised Land Insurance Group. We are ready to get you the business coverage that you need today.