Provides compensation for permanent loss of function or the inability to earn an income. Pays part of your wage loss. Pays for all reasonable medical and vocational rehabilitation costs related to the injury. Pays benefits to dependents for a work-related death. Insurance companies pay wage-loss and disability benefits to injured workers and pay the medical and vocational rehabilitation costs to the providers.
State law sets the benefit levels.
Your supervisor fills out the First Report of Injury form. Your employer then sends the completed First Report of Injury to the insurance company. The insurance company makes all benefit payments. After you have reported the injury, the insurance company investigates the injury report, and initially decides whether the injury is work-related. Pay other benefits in a timely manner.