Workers' Compensation Insurance in Jackson, MS

Working professionals spend the majority of their day at work, so it’s no wonder that the occasional fall, injury, or illness can put valued workers out of commission for a few days or longer. In order to protect your employees and remain in compliance with state laws, you need workers’ compensation insurance in Jackson, MS.

In the Magnolia State, employers with at least five people working for them need workers’ compensation insurance. This is a kind of no-fault insurance that covers employment-driven illnesses and injuries. If you need assistance navigating the types of coverage available and how they apply to your legal obligations, a Hawsey Insurance agent can help.

What is Workers’ Compensation, Anyway?

Workers’ compensation in Jackson, MS, and throughout the state is mandated by state law and paid for exclusively by employers. Since 1948, Mississippi state law has required employers to purchase insurance covering lost wages and medical expenses related to on-the-job injuries.

Important information about workers’ compensation includes the following:

• Employees must notify employers of work-related injuries within 30 days.
• Employees have up to 2 years to file a claim.
• Workers’ compensation also protects the employer, who might otherwise have to pay for these expenses out of pocket.
• Employers can include themselves in their workers’ compensation policies.

You can purchase workers’ compensation insurance as part of your commercial business insurance package.

Workers’ Compensation Benefits

Workers’ compensation benefits include medical care, death benefits, and lost wages for injured employees, as follows:

• Medical care: Reasonable and necessary medical care is covered.
• Temporary/Permanent partial disability: Compensates the employee for lost or reduced wages due to the injury or illness. (Usually up to two-thirds of typical wages or a maximum of $450 a week.)
• Permanent total disability: Provides lost wage compensation for those unable to perform any job due to work-related injuries. (Usually up to two-thirds of typical wages or a maximum of $450 a week.)
• Death benefits: This includes payments to the spouse and certain dependents, plus funeral expenses if a covered employee dies in a work-related illness or injury.

Employers with more than five employees must purchase workers’ compensation insurance. If an employee misses at least five workdays due to illness or injury, the employer has 10 days to report the incident to the Mississippi Workers’ Compensation Commission.

Hawsey Insurance provides comprehensive commercial insurance products, including worker’s compensation insurance in Jackson, MS. Our coverage area includes businesses and individuals throughout Mississippi and the surrounding states. Get a free online quote today.