Worker’s Compensation: Rights and Responsibilities
Under California law, all employers are required to carry Worker’s Compensation insurance, even if they only have one employee. Under Worker’s Compensation, an injured employee is covered for medical expenses related to the work injury, temporary disability benefits during the time it take the injured employee to recover from the illness or injury, and long- term disability benefits if the employee is unable to return to work. In addition, Worker’s Comp insurance also provides benefits for supplemental job displacement benefits, and vocational rehabilitation if the employee is able to work after recovery from the illness or injury, but is unable to fulfill previous job responsibilities as a result of the job related illness or injury.

Medical treatment under California’s Worker’s Compensation plan must adhere to a specified set of treatment modalities as set forth by the California legislature. These guidelines limit medical treatment to procedures and treatments that are proven to result in improvements of illness and injury. This means that experimental procedures, drugs, and treatments are not covered under the insurance program.

California’s Worker’s Comp Incentives
In addition to providing medical coverage through Worker’s Comp insurance, California employers are also encouraged to be proactive in helping injured workers return to work in a timely manner. Employers who make special modifications to enable a worker to return to work can be reimbursed for up to $2500 in expenses.

Worker’s Compensation for the Self-Employed
Even self-employed clients can carry Worker’s Comp insurance in California. If you are injured on the job, the responsibility for your recovery and future employment capabilities falls squarely on your own shoulders. No one expects to be killed or disabled while on the job, but Worker’s Comp insurance protects you from the unexpected.

Universal Bluepoint Corporation and Worker’s Compensation Insurance
UBC offers exceptional client support for worker’s comp insurance. We provide federal and local forms, claims filing assistance, and benefits consultation- all free of charge.
In addition, UBC is also pleased to offer discounted Worker’s Comp plans through Anthem/BlueCross insurance, a major U.S. insurance carrier.

Worker’s Compensation Resources:
Federal department of Labor Worker’s Compensation Resources: http://www.dol.gov/esa/owcp/dfec/
California Division of Worker’s Compensation: http://www.dir.ca.gov/dwc/dwc_home_page.htm