The workers’ compensation system in California is set up to help workers who get hurt on the job or get sick because of their job. Workers’ compensation helps pay for medical bills and some of the lost wages. Workers’ compensation usually starts on the first day of work for most people.

Most of the time, employers are required to provide insurance for workers’ compensation. But there are a few things that aren’t true. Workers’ compensation does not cover people like independent contractors. If you get hurt on the job, you should tell your boss as soon as you can. Then you will need to file a claim with the insurance company for workers’ compensation.

What Is Workers’ Compensation?

Workers’ compensation pays benefits to workers who get hurt on the job or get sick because of it. Most employers in California are required to have workers’ compensation. This means they must have insurance to cover any injuries or illnesses their employees get on the job.

Having workers’ compensation coverage is good in a lot of ways. Some of the most important benefits are:

• If an employee gets hurt on the job or gets sick because of their job, they may be able to get money from workers’ compensation. This can help them get their finances back on track and keep them from going broke.
• Most of the time, filing a claim for workers’ compensation is easy. Employees don’t have to prove that their employer did something wrong in order to get benefits, which can save them a lot of time and trouble.
• No matter how big or small an injury or illness is, workers’ compensation will cover it. This means that workers can get the medical care they need without having to worry about how to pay for it.

Who Is Covered Under Workers’ Compensation In California?

In California, if you are injured on the job, you may be covered by workers’ compensation. Workers’ compensation is a state-mandated insurance program that provides benefits to employees who sustain work-related injuries or illnesses.

To be eligible for California workers’ compensation benefits, you must satisfy certain eligibility requirements. These consist of the following:

• You Must Be an Employee
  This means that you must have a job and be paid by your employer in order to be covered by workers’ compensation. Typically, independent contractors are not covered by the program.
• Your Injury Or Illness Must Occur As A Result Of Your Work
  You will not be eligible for benefits if you are injured or become ill during a break or outside of the office. The injury or illness must occur while the employee is performing job-related tasks.
• You Must Report The Injury/Illness Immediately
  It is essential to report any injuries or illnesses as soon as they occur in order to receive medical treatment and benefits in a timely manner.

Conclusion

If you get hurt on the job in California, you might be able to get workers’ compensation benefits. Workers’ compensation is a type of insurance that helps workers who get hurt on the job or get sick because of their job. Benefits can cover things like medical costs, lost income, and even death. You can call California Workers’ Compensation Lawyer at  (951) 406-6409 to find out more about workers’ compensation in California.

STATE EDD DISABILITY INSURANCE

When an injured workers’ compensation claim is denied, delayed, or no total temporary disability benefits are being paid by the workers’ compensation company, injured workers may apply for state disability benefits through EDD (SDI).

SDI provides eligible injured workers with short-term disability benefits for a work-free time due to an injury or illness in the workplace when the workers’ compensation insurance company is not providing total temporary disability benefits. SDI may be available if there is a dispute regarding your eligibility for workers’ compensation for total temporary disability benefits.

To be eligible for SDI, a person must be employed or actively seek work at the time of disability; must have lost income due to disability; earned at least $300 of which SDI deductions were retained for a perverse period, and be under the care of a medical professional for the first eight (8) days of disability. It is worth noting that the injured worker must remain under medical care to be eligible for SDI or total temporary disability through workers’ compensation.  

*      PRACTICAL TIP: If your claim is not accepted, chances are you will file immediately for SDI  *

*      to preserve your claim later, even if you initially refuse.                                                               *

When receiving SDI, it is often referred to as EDD. If you have further questions about SDI and workers’ compensation, please contact RP Law Group at (951) 394-3640 for a free consultation.

Understand that an injured worker should not receive both SDI and total temporary disability from the workers’ compensation insurance company at the same time. EDD will file a levy against the workers’ compensation case against the benefits you are paying. Any overlap in benefits is called an overpayment.

It should be noted that, while double payment of total temporary disability (TTD) and SDI is generally not allowed; there are cases where the SDI benefit rate is higher than the TTD rate, and EDD will pay the difference.

Ultimately, how is the SDI rate of profit calculated? SDI is based on past earnings and equals approximately 55% of your earnings to the maximum amount of weekly profits. Note that total temporary disability benefits equal 2/3 of the average weekly income.

When considering issues of these benefits, also keep in mind that EDD SDI will run for 52 weeks in most cases, and in accepted cases, the total temporary disability will be maximized by 104 weeks.

Whether it’s a total temporary disability, EDD, or other workers’ compensation issue, RP Law Group is pleased to help answer your questions. Call RP Law Group at (951) 394-3640.