General Insurance Trade FAQs

What is workers’ compensation?

Workers’ compensation statutes are state-mandated programs that require payments to be made to an employee who is injured or disabled in connection with work. Check your own state’s workers’ compensation benefits laws by referring to the appropriate state office on the State Workers’ Compensation official page of the U.S. Department of Labor’s website.

What types of incidents are and are not covered by workers’ compensation insurance?

The range of injuries and situations covered by workers’ compensation is broad, but there are limits. States can impose drug and alcohol testing on the injured employee, and can deny the employee workers’ compensation benefits if such tests show the employee was under the influence at the time of the injury. Compensation may also be denied if the injuries were self-inflicted; where the employee was violating a law or company policy; and where the employee was not on the job at the time of the injury.

What types of expenses does workers’ compensation insurance cover?

What types of expenses does workers’ compensation insurance cover?Although the payments are usually modest, workers’ compensation insurance covers

  • medical care from the injury or illness
  • replacement income
  • costs for retraining
  • compensation for any permanent injuries
  • benefits to survivors of workers who are killed on the job

If a person collects workers’ compensation benefits, he or she cannot sue the employer and workers’ compensation benefits do NOT cover pain and suffering. Wage replacement is usually two/thirds of the worker’s average wage, but there is a fixed maximum amount that the benefits will not exceed. That may seem modest, but note that these benefits are not taxed. So, as long as the employee was making a fair wage, he or she should have no major problems. The eligibility for wage replacement begins immediately after a few days of work are missed because of a particular injury or illness.

Does workers’ compensation insurance cover long-term and permanent injuries?

Yes. Workers’ compensation insurance is not limited to just incidental accidents. It also covers problems and illnesses that are developed over a long period of time from repeatedly performing the injurious activity – for example, carpal tunnel syndrome or back problems from repetitious movement.

Who is covered by workers’ compensation insurance?

Most types of employees are covered by workers’ compensation insurance. That said, states commonly exclude some workers from coverage, such as:

  • Independent contractors
  • Business owners
  • Volunteers
  • Employees of private homes
  • Farmers and farmhands
  • Maritime employees
  • Railroad employees
  • Casual workers

Because employees of the federal government are covered under the federal workers’ compensation insurance program, they are not covered by state workers’ comp. Some states do not enforce the workers’ compensation program on employers with fewer than 3 to 5 employees. This varies from state to state.

7710 Insurance Resources

Guide to Choosing a Workers’ Compensation Carrier

We have created a “How to Choose Workers’ Compensation” guide to help better clarify the advantages of working with us and the important distinctions between 7710 Insurance and other carriers.

NFPA Best Practices Guidelines Round-up for Fire Districts

7710 Insurance endorses the local-level fire services best practices as recommended by the NFPA (National Fire Protection Association) for minimizing firefighter injury and death.

Guide to Choosing a Workers’ Compensation Carrier

We have created a “How to Choose Workers’ Compensation” guide to help better clarify the advantages of working with us and the important distinctions between 7710 Insurance and other carriers.

NFPA Best Practices Guidelines Round-up for Fire Districts

7710 Insurance endorses the local-level fire services best practices as recommended by the NFPA (National Fire Protection Association) for minimizing firefighter injury and death.

Industry Resources

Specialized hands-on product design, risk management, underwriting and claims expertise

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Insurance, education, training and consulting

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Highly customized, carefully designed and engineered pumpers, aerials, tankers and rescue units

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FIRST RESPONDER STRESS: IT’S AN EMERGENCY

7710 Insurance encourages emergency services professionals to recognize and address the unique and inevitable stresses of the job. Be vigilant. Erase the stigma. Get help.

Firefighter suicides outnumber line-of-duty deaths. How S.C. first responders are trying to save their own.

The Post & Courier – Feb 18, 2018 [Read original article]

Suicides…were once overlooked by firefighters and paramedics eager to maintain an image of bravery and invincibility. But that’s changing as the profession acknowledges a deadly scourge that claims more lives than the perils firefighters face in the line of duty.

Long a taboo topic in firehouses, suicide was recently labeled by the U.S. Fire Administration as a “critical” issue that’s being “faced more squarely by the fire service.”

“The old school fire service, old school emergency services was that you just sucked it up and lived with it,” said Gerald Mishoe, executive director of the Lowcountry Firefighter Support Team, a nonprofit that helps emergency services personnel and their families. “And you were expected to live with it as part of your job.”

Numbers vary, but studies in recent years have estimated that between 17 and 22 percent of firefighters suffer from PTSD, three times the rate of the general population.

Current 7710 Insurance customers can access the SHIELD presentation on “Critical Incident Stress Debriefing,” which covers warning signs and symptoms to help spot the impact of stress on first responders like CISD and PTSD. Request access by contacting info@7710insurance.com.

Media Inquiries

7710 Insurance is always happy to assist the media with insight on workers’ compensation (administration, legal, claims, state and federal guidelines,) emergency services best practices and safety training, fitness and nutrition programs for the emergency services profession, a national perspective of workers’ compensation, reinsurance, underwriting, capital raising, inside firefighting/EMS professions, loss control programs, modified duty / light duty/ return-to-work programs and the running of a specialty/niche insurance business.

7710 Insurance will make every effort to supply appropriate spokespeople to help meet deadlines.

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