Key Workers Compensation Requirements
Federal Guidelines
- Mandatory coverage for all employees (with few exceptions)
- Prompt medical treatment for work-related injuries
- Wage replacement benefits for lost work time
- Prohibition against retaliating injured workers
State-Specific Regulations
- Coverage Required: 1+ employees
- Waiting Period: 7 days
- Maximum Benefits: $937.99/week (2023)
- Special Notes: Construction industry has stricter requirements
- Coverage Required: 5+ employees
- Waiting Period: 7 days
- Maximum Benefits: $1,128.00/week
- Special Notes: Different rules for construction vs agriculture
Employer Compliance Requirements
Must Do:
- Obtain proper insurance coverage
- Post required notices
- Report injuries promptly
- Maintain accurate records
Avoid:
- Misclassifying employees
- Delaying claim reporting
- Retaliating against claims
- Underreporting payroll