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In addition, the State Fund will provide forms and/or publications in English and Spanish, as soon as possible. Workers' Compensation: What's it For? This policy provides coverage for any type of job or business related injury or illness, provided a bona fide worker's compensation injury occurs. Coverage includes claims by employees as well as claims by their employers for personal injuries resulting from work-related accidents; personal injuries resulting from a failure to provide an employee with necessary medical protection or from a delay in providing or failing to provision a needed medical protection; or personal injuries resulting from work-related conditions, such as illness, exposure to hazardous substances, or natural disasters (e.g., earthquakes, forest fires, hurricanes, terrorist attacks, etc.). Workers' compensation coverage is not limited to injuries for which monetary compensation can be paid to claimants. The policy also provides coverage in the event of personal injuries to the claimant on the employer's premises, or while the claimant is working from home. If, while engaged in the performance of his or her job, an employee is injured or suffers pain or illness from an illness, drug, or any other substance that the employer, supervisor, or other person working with the employee might be able to control (e.g., a chemical), he or she may file a claim against the employer through the State Fund's Claim Services program. Â Claims for bodily injuries such as fractures or dislocations are covered by the policy if they had resulted in loss of work, job loss or compensation, lost wages, medical-related expenses, lost benefits, and/or permanent disabilities if not for the personal injury. Claims for emotional damages resulting from workplace injuries or illness are not covered. Â However, medical and other types of injuries resulting from work-related conditions such as illnesses, drugs and other substances are not covered. The policy is written to be self-sufficient and does not require a minimum dollar amount that can be spent. Â However, no policy may exceed 90 monthly claims coverage. Â Claimants are responsible for the cost of their medical, dental and prescription medication. Medical and dental coverage may need to be purchased from a licensed third-party insurance company. Other coverage may be available, including workers' compensation insurance, which may pay certain deductibles and other costs. The policy may contain an accident or sickness deductible to reduce medical expenses.
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