7 Questions About Workers' Compensation Coverage in Georgia

Each U.S. state requires workers’ compensation coverage for employees in the event they sustain a job injury.

In Georgia, this is administered through the State Board of Workers’ Compensation, providing medical and monetary assistance during an employee’s work-related injury.

If you are a first-time business owner, navigating these laws can be challenging.

It may also be difficult to insure your business, especially if it is small.

Table of Contents

• Is Workers' Compensation Coverage Necessary in Georgia?
• What Should I Know Regarding Georgia Workers’ Comp Laws?
• How are Georgia Workers’ Compensation Costs Calculated?
• Where in Georgia can I get the Workers’ Compensation Policy?
• Where Can I Have Access to an Exemption Form?
• Does One Need Cover For an Independent Contractor?
• Does the ‘Pay as You Go’ Option Exist in Georgia’s Workers’ Compensation Coverage?
• How can a Workers' Compensation Lawyer Help Me?
• Contact Hines Law for a Free Work Injury Consultation

Here are some common questions to ask about workers’ compensation in Georgia:

1. Is Workers’ Compensation Coverage Necessary in Georgia?

Yes, workers' compensation coverage is required for most businesses in Georgia.

According to Georgia state law:

• Employer Obligation: Any business with three or more employees (including part-time, full-time, and seasonal workers) must carry workers’ compensation insurance.
• Coverage Benefits: This coverage ensures that employees injured on the job receive compensation benefits such as medical care, wage replacement, and compensation for permanent disabilities, regardless of who was at fault for the injury.
• Penalties for Non-Compliance: Employers who fail to provide required workers' compensation insurance coverage may face significant penalties, fines, and even potential lawsuits from injured employees.

If you’re an employee unsure about your rights or an employer who wants to understand your obligations, consulting a workers’ compensation attorney can be a valuable step.

2. What Should I Know Regarding Georgia Workers’ Comp Laws?

Understanding Georgia’s workers’ compensation laws can help protect your rights as an employee or guide you as an employer.

Here are key points:

Eligibility for Workers' Compensation

• Any employer with three or more employees is required to provide workers’ comp coverage.
• Workers comp insurance coverage applies to all types of workers, including regular part-time employees, regular workers, full-time employees, and seasonal workers.
• Independent contractors are generally not covered if they sustain a workplace accident, but certain exceptions may apply.

Benefits Provided

Workers' compensation benefits in Georgia include:

1. Medical Treatment: Covers necessary medical expenses related to the injury or illness.
2. Wage Replacement: Provides up to two-thirds of your average weekly wage (capped at $675 per week as of 2023) during your recovery if you’re unable to work.
3. Permanent Disability Benefits: Compensation for a permanent disability resulting from the injury.
4. Vocational Rehabilitation: Assistance in training for a new job if you’re unable to return to your previous work.
5. Compensation Death Benefits: Dependents of a worker who dies from a job-related injury may receive compensation and burial expenses.

Reporting and Filing Deadlines

• Work-related accident injuries must be reported to your employer within 30 days of the incident.
• You must file a workers’ compensation claim with the Georgia State Board of Workers’ Compensation within one year of the date of your job accident.

Employer Obligations

• Employers must provide a panel of physicians (at least six) or a managed care organization (MCO) for employees to choose from for medical treatment.
• They must post workers’ comp rights and insurance information where employees can easily see it.

Common Challenges

• Claim Denials: Workers' comp insurance claims can be denied for late reporting, disputes about whether the injury was work-related, or failure to follow proper medical procedures.
• Retaliation: It’s illegal for employers to retaliate against employees for filing a workers' compensation claim for benefits.

3. How are Georgia Workers’ Compensation Costs Calculated?

The Georgia Office of Insurance has the coverage rates for each kind of insurance coverage.

Once you locate your rate from the list, it becomes easy to estimate the compensation cost.

The estimated cost amounts to the total employee payroll (yearly) divided by 100, and the result is multiplied by the insurance rate.

4. Where in Georgia can I get the Workers’ Compensation Policy?

This policy can be found in any private insurance company addressing worker’s compensation concerns within the state.

You can also get the compensation insurance policy through other sites.

In Georgia, you can obtain a workers' compensation policy from private compensation insurance carriers, self-insure if eligible, or join a group self-insurance fund.

Additionally, the Georgia State Board of Workers' Compensation provides guidance and lists of approved insurance providers.

For personalized advice or assistance in securing workers' compensation coverage, it's advisable to consult with an insurance broker or workers' compensation attorney.

5. Where Can I Have Access to an Exemption Form?

Georgia’s State Board of Workers’ Compensation website has a list of forms you can easily and freely download, complete, and upload.

Visit the site, scroll through the forms, and choose one that applies to your particular situation.

If you’re in doubt, you can always get in touch with customer care representatives through email or phone call.

6. Does One Need Cover For an Independent Contractor?

If the independent contractor works under a business owner's schedule and control, they are your employee, so you need to provide them with workers’ compensation insurance.

If the contractor controls themselves based on time and materials to complete a task, then technically, you are not required to include them in the compensation program.

To be on the safe side, business owners should ensure that comp policy if they need to file an injury claim.

However, business owners should have proof that one is covered as long as they are working for you.

7. Does the ‘Pay as You Go’ Option Exist in Georgia’s Workers’ Compensation Coverage?

Yes, this payment plan is available in Georgia.

Initially, payment of workers’ compensation was based on your payment plan, which can be annual, quarterly, or biannually.

The payment plan is made based on the annual employee’s payroll, but Pay as You Go is gaining popularity due to the need to pay for what you are liable for at a certain period of time.

Consider an insurance agency in Georgia to understand the workers’ compensation policies within the state.

The agency must adhere to government guidelines and must be legally licensed to offer insurance coverage.

You will need to check with your insurance agency to find out if it allows for this payment plan.

Workers’ compensation coverage and the laws regulating it vary from one state to the next.

But it’s your responsibility as an employer to ensure you fulfill all the requirements to avoid getting on the wrong side of the law should your employees need a compensation settlement after being injured on the job.

You may need an experienced and professional lawyer to help you understand these laws and make arrangements to have all your employees covered by a workers' compensation insurance carrier.

How can a Workers' Compensation Lawyer Help Me?

A workers' compensation lawyer can be an invaluable resource if you’ve been injured on the job.

Here’s how they can help you throughout the workers' compensation process:

1. Ensuring You Receive the Benefits You're Entitled To

• Filing and Managing Your Claim: Workers' compensation laws can be complex, and a lawyer can guide you through the process, ensuring your claim is filed correctly and on time. They will handle the paperwork and help avoid any mistakes that could cause delays or denials.
• Maximizing Your Benefits: A workers’ compensation lawyer can ensure that you receive all the compensation payments you're entitled to, including coverage for medical bills, lost wages, rehabilitation costs, and permanent disability benefits if necessary.

2. Handling Disputes and Denials

• Appealing Denied Claims: If your workers’ compensation claim is denied, a lawyer can help you appeal the decision. They will investigate the reasons for the denial, gather additional evidence, and present your case to the insurance company or the Workers' Compensation Board.
• Dealing with Disputes: If there are disputes over the severity of your injury, the cause of the accident, or the amount of compensation payments you should receive, your lawyer can negotiate with the insurance company and represent your interests.

3. Negotiating a Settlement

• Settlement Offers: Insurance companies may offer you a settlement to resolve your case quickly. While it might seem tempting, settlements may not always cover all the costs of your injury, especially if long-term medical treatment or future wage loss is involved. A lawyer can evaluate whether the compensation payment offer is fair and negotiate for a better one.
• Long-Term Considerations: A workers’ compensation lawyer will consider your future needs (such as ongoing medical care or permanent disability) when negotiating a settlement. This ensures that you are not left with insufficient workers' comp benefits.

4. Handling Complex Legal Issues

• Legal Advice: If your case is complicated, such as involving multiple parties or a third-party lawsuit (e.g., if someone other than your employer was at fault), a workers' compensation lawyer can help you understand how workers’ compensation works in conjunction with other legal claims.
• Third-Party Claims: If your injury was caused by a third party (e.g., a contractor, vendor, or defective product), a workers' compensation lawyer can help you file a separate personal injury lawsuit against that third party in addition to your workers' comp claim.

5. Protecting Your Rights

• Preventing Retaliation: If you face retaliation from your employer (such as wrongful termination or harassment) for filing a workers’ compensation claim, a lawyer can protect your rights and ensure you aren’t penalized for seeking compensation.
• Avoiding Mistakes: A workers' comp insurance company may try to undervalue your claim or use tactics to minimize your benefits. A lawyer can help you avoid common pitfalls, such as settling too early or not disclosing certain information that could impact your claim.

6. Guiding You Through the Entire Process

• Ongoing Support: The workers' compensation process can take time, and injuries may require long-term treatment. A lawyer can provide ongoing support, help you stay informed about your case’s progress, and ensure that you’re not being taken advantage of during any stage of the process.

7. Providing Peace of Mind

• Reduced Stress: Managing a workers' compensation claim while dealing with an injury can be overwhelming. Hiring a lawyer allows you to focus on your recovery while they handle the legal complexities.
• Knowledge and Experience: Workers’ compensation lawyers are well-versed in the intricacies of workers' compensation laws and are experienced in dealing with insurance companies. Their expertise gives you confidence that your case is being handled properly.

A workers' compensation lawyer can be crucial in ensuring that you receive the full benefits you deserve after a workplace injury.

From filing your claim to negotiating settlements, handling disputes, and ensuring that your rights are protected, a lawyer can offer essential guidance throughout the entire process.

If you're facing challenges with your workers' compensation case, consulting with an experienced attorney can greatly improve your chances of a successful outcome.

Contact Hines Law for a Free Work Injury Consultation

If you’re an injured worker, you don't have to navigate the workers’ compensation process alone.

Our experienced workers' comp lawyers are here to help you understand your rights and secure the compensation benefits that you deserve.

We offer a free consultation to discuss your work-related injury and provide expert legal guidance.

Let us fight for your rights so you can focus on your recovery from your job injury.

If you have any additional questions regarding workers' compensation injuries or comp benefits, we are here to support you every step of the way.

Click on the link below to schedule your free consultation with an expert workers' comp attorney with Hines Law Firm today.

Learn More → Atlanta Work Compensation Lawyer