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What is Workers’ Comp?
Workers’ compensation coverage works similarly to other types of insurance:
1
Premium
You pay a monthly premium to a provider. Your premium is based on payroll and the nature of your work.
2
Claim
If a worker is injured on the job, you submit a claim to your workers’ comp provider.
3
Compensation
The workers’ comp provider pays for the injured worker’s medical treatment. In the event an employee must miss work, workers’ comp pays him/her a portion of his/her wages.
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