Role of Insurance Companies in Workmen's Compensation

Investigating Claims

They thoroughly investigate the validity of each claim

Paying Out Benefits

Insurance companies are responsible for disbursing the benefits owed to workers

Medical Expenses

They cover all the medical expenses related to the injury

Wage Replacement

They provide wage replacement benefits (Loss of Earning Capacity Benefits) to the injured worker

Decision Timeline

Within 21 days, they must accept or reject the benefits request after receiving the injury notice

Independent Medical Exams

For total disability cases, insurers conduct independent medical examinations to verify the claim