Overview of California Workers' Compensation
What is workers' compensation insurance and what is its purpose?
WORKERS' COMPENSATION is a state-mandated insurance that provides medical benefits and wage replacement for employees who have a job-related illness or injury.
A workers' compensation insurance policy provides covered employees with medical and wage replacement (indemnity) benefits that arise from workplace injuries. Only workplace injuries that arise out of and in the normal course of business are compensable.
Generally, all businesses in California that have employees must purchase a workers' compensation insurance policy from a private insurance company or the State Compensation Insurance Fund.
Some large businesses are self-insured and do not purchase insurance policies from an insurance company.
For information concerning self-insurance, see the Department of Industrial Relations, Office of Self Insurance Plans at http://www.dir.ca.gov/OSIP/.
Who must have a workers' compensation insurance policy?
Generally, all California businesses that have employees must purchase a workers' compensation insurance policy or be legally self-insured.
The WCIRB does not determine who is required to purchase a workers' compensation insurance policy nor does the WCIRB determine whether or not a person is an employee or an independent contractor.
For more information, visit the Department of Industrial Relations Division of Workers' Compensation website at http://www.dir.ca.gov/dwc/
What is covered by a policy?
A workers' compensation insurance policy covers the costs of medical treatment including physician visits, prescription medications, surgeries, etc. In addition, workers' compensation insurance provides lost time or indemnity benefits. The amount of indemnity benefits is based upon a worker's weekly wage and the benefit amounts are determined by California laws.
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EMPLOYER PROFILE & AUTHORIZATION FOR TREATMENT
Our EMPLOYER PROFILE FORM AND AUTHORIZATION FOR TREATMENT FORM is now available online for you to complete before you come in. Having this form completed before arriving can save up to 20-30 minutes of waiting to be seen! To access the form, hit the link below. Print, complete and bring them with you! (Be sure to download and review the WAIVERS also.)
EMPLOYER PROFILE FORM
AUTHORIZATION FOR TREATMENT
NEW PATIENT REGISTRATION FORM
Our PATIENT REGISTRATION FORM is now available online for you to complete before you come in. Having this form completed before arriving can save up to 20-30 minutes of waiting to be seen! To access the form, hit the link below (our Urgent Care House) and complete the form using your personal computer. Then PRINT and bring them with you! (Be sure to download and review the WAIVERS also.)
HOW TO VERIFY YOUR INSURANCE
We have provided step-by-step instructions on how to verify your own insurance to ensure that our clinics are in-network with your health insurance policy. There is a CHECKLIST included with the instructions. This CHECKLIST is also part of the PATIENT REGISTRATION FORM.