Workers' Compensation Insurance

California law requires that all employers in this state carry workers' compensation insurance. This is so that if you're hurt at work, you're covered for medical treatment and for certain other benefits that help you get through a work injury. Workers' compensation insurance provides three main benefits when someone gets hurt at work. The first benefit is medical treatment, meaning the insurance company pays your doctor bills. The second benefit is temporary disability. The temporary disability benefit pays you two-thirds of your average weekly wage when you're off work, being treated for a work injury. The third benefit is a permanent disability benefit, and this is after the doctors determine that they've done all they can for you but you're not back to the way you were before the injury occurred. At that point, there's a rating process, and based on a rateable impairment, you may be entitled to compensation for that as well. It's important to have a lawyer represent you because obtaining these benefits can be a pretty complex process. In addition, even knowing what benefits to which you may be entitled can be difficult. So a good workers' compensation attorney can help you get everything to which you may be entitled. Our clients can expect that we know and understand workers' compensation law here in California, and that we can advise them of their rights, and that we can help them navigate what has become a pretty complex system.