Copyright© 2012 Ocelot Group, LLC  |  All Rights Reserved.  Terms & Conditions

Our Constant Efforts Land Others Trust

Home

Workers’ Compensation Insurance Solutions

When workers’ compensation laws were adopted, they were designed to provide a fair means for handling occupation-related injury (including occupational diseases), disability, or death that occurs in the course of employment.  The laws are based on the idea that the cost of most occupation-related injuries and occupational diseases should be charged directly to the employer, regardless of who is at fault, and without complex court proceedings.  The cost, in turn, would be passed on to the consumer as a cost of production.  In return, the benefits stipulated in workers’ compensation laws are the only means–the exclusive remedy–available to employees against employers for injuries/diseases covered by those laws.


Workers’ Compensation Benefits

Workers’ compensation laws vary from state to state, but generally speaking they pay benefits in four categories.


Disability/loss of income benefits compensate employees who are unable to work as a result of occupation-related injury.  These benefits are intended to replace a portion of the lost income (wages), but not all of it.


Medical benefits pay for the cost of various types of medical services required because of a occupation-related injury.  Nearly every type of related medical expense is covered with neither an upper dollar limit nor a limit on the period of time for which expenses will be paid.


Survivor/death benefits compensate a surviving spouse, children, or other relatives of an employee whose death results from an occupation-related injury.  In general, survivor benefits include a weekly benefit and a stipulated amount for funeral and burial expenses.


Rehabilitation benefits include medical rehabilitation, such as physical therapy and vocational rehabilitation.  In general workers’ compensation rehabilitation benefits usually pay reasonably justifiable expenses for these purposes.


Ocelot Group can help you with cost and coverage assessments, loss prevention services, cost-saving claim management techniques, expansive health care networks, and return-to-work programs to help your employees get back on the job.


Workers’ compensation is just one of many expenses that you have to consider. You can make it a smaller piece of your operating budget by joining a group discount program.  These group discount opportunities are available for a range of industries, including oil and gas, restaurants, construction, health care and auto repair and many more. We also specialize in offering clients access to many different options including direct bill monoline workers' compensation programs with payment terms customized to fit your organizations needs.


Take maximum control of your balance sheet and protect your workers.  Connect with an Ocelot advisor today!

Workers’ Compensation Plans
“Every business wants to reduce cost”
 Finding ways to reduce cost without distracting you from your core business is fundamental. Ocelot Group helps Corporations, Non-Profits, Partnerships, and Startups ensure they are protecting their balance sheet and their employees.  Replacing an
injured worker can cost 50 to 150 percent of his or her salary. We help your firm establish ways to prevent accidents and minimizing their consequences when they do occur.  We can help you assess your workers compensation plan and reduce your labor costs.
Contact Us For a Plan Review
Protect Your Company, Protect Your Employees, Protect Your Family, Protect Yourself

<< Return to Insurance Products

<< Home Page >>

Connect With Ocelot Group, LLC >>