What is Workers' Compensation Insurance?

In TN it may be referred to as Workers' Compensation, Workers' Comp or Workman's Comp and it is a business insurance program with rules and regulations mandated by the state of Tennessee.  This type of business insurance was designed to provide for loss of income, medical expenses and other related expenses generated by an employee's on the job injury.    Top of Page

Who Pays Workers' Comp Claims?

In some cases, a very large business may be allowed to self-insure, which would allow the Workers' Comp claim to be filed and paid by the employer.  In cases where a particular TN business is required to purchase Workers' Comp Insurance, the claim would be filed with and paid by the Workers' Comp insurance company.  Top of Page

Does Workers' Comp Provide for Permanent Disability?

Depends on state law, Workers' Comp insurance may provide lump sum or long term compensation.  The Workers' Comp insurance policy for your TN business will outline any provisions for permanent disability.

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What Kinds of Compensation Are Available to the Employee?

Workers' Comp insurance was designed to pay for lost income, as well as, the injured employee's medical expenses.  Your Workers' Comp insurance program may contain provisions for special training or job placement services.   Top of Page