Workers' Compensation

BeneSkill partners with leading workers' compensation carriers to help you control costs, manage claims, and promote a safer workplace. Our approach ensures your coverage coordinates seamlessly with payroll and benefits administration for a unified risk management experience.

What workers' compensation insurance covers

Workers' compensation insurance provides benefits to employees for work-related injuries or illnesses, including medical care and wages lost from time away from work. It also provides a financial benefit to a deceased worker's family, and can help cover related legal fees if the family decides to sue the company.

Coverage applies in situations like these:

• An employee slips on ice walking up the stairs to the office, requiring an emergency room visit and weeks of recovery time.
• An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
• An employee returning from a client visit is injured in a car accident and requires hospitalization.

In each case, partnering carriers help pay the medical expenses needed to treat the injury or illness, and help the employee keep income while taking time off to recover.

Pay-as-you-go, tied to actual payroll

A pay-as-you-go payment program calculates premium from real payroll each cycle rather than an annual estimate. That reduces administrative work, improves cash flow, and minimizes the unexpected audit bill at year end.

Multi-state coverage without the guesswork

Every state writes its own workers’ compensation rules. If you employ people across state lines — or have remote employees who quietly created a new state exposure — we make sure the program is written correctly for each jurisdiction.

Claims and risk management

Our licensed insurance services professionals help you select the right program for your company, then stay involved: claims guidance when an injury happens, experience modification review, and safety and compliance support to bring future claims down.

What’s included

• Pay-as-you-go premium integration
• Multi-state coverage placement
• Experience modification review
• Claims reporting and advocacy
• Return-to-work program design
• Safety program and OSHA support
• Certificate of insurance management
• Annual audit preparation

Common questions