With a record number of Americans filing for unemployment due to the COVID-19 pandemic, businesses across the country are trying their best to look for workers’compensation schemes to support them during the crisis. As almost every sector shuts down, people are wondering: will workers’ compensation insurance cover coronavirus?
In most company policies, a worker is compensated if he/she contracts a disease in the course of employment, which currently isn’t the case for most people except those in the healthcare or delivery sectors.
Depending on how much support people get from the Federal government, different states have put up different rules regarding workers’compensation. Mandates for coronavirus coverage (like coverage for testing) have been issued in many other states.
For example, Washington State announced in March that claims from health care providers and first responders involving COVID-19 might be allowed, while other claims will be considered case-by-case. California announced that it would allow workers impacted by coronavirus to use their disability benefits for the disease.
Employers should begin preparing for potential workers’ compensation claim filings by doing the following:
- Ask for the results of a COVID-19 test and proceed to report the claim to insurers only if the result is positive.
- Have legal and claims experts conduct bi-weekly or monthly investigations and checkups to process the necessary claims.
- Disclose all measures taken by the employees and the company as a whole to prevent the spread of the virus.
The employer must bring together all the relevant teams and people who have the power to evaluate potential claims and ensure the benefits go to the people who need it most. If you need business insurance to cover your workers during the pandemic, contact the experts at Patterson & Associates in Richardson, Texas. We are here to assist you with any issues related to coronavirus in the workplace.