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Alaska National

 

 

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    Workers’ Comp 101

    The basics and the benefits

    Workers’ Compensation insurance coverage is something the law requires all employers to provide. A safety net for your team, it provides benefits to your employees if they get injured or sick as a direct result of their job. 

    What makes a work injury?

    An injury at work can mean a serious fall, getting burned by a chemical, being injured in a car accident while making deliveries.

    It can also entail suffering and pain caused by repeated exposures at work – such as injuries due to repetitive motion or hearing loss due to a loud work environment.

    workers’ comp Can Include:

    • Medical care and expenses to help workers recover from an injury or illness caused by work.

    • Temporary disability benefits if the worker loses wages due to time off for recovery. 

    • Permanent disability benefits should the worker not recover completely.

    • Supplemental job displacement benefits to help pay for retraining or skill enhancement if the worker doesn’t recover completely, and/or doesn’t return to work for the employer.

    • Death benefits for the worst-case scenario, paid to the surviving spouse, children or other dependents. 

    Note: Regulations regarding benefits vary by state.

    When an injury occurs on the job, it’s important to follow these steps in a timely manner. 

    • Follow your company guidelines and notify your employer or supervisor that you have been injured before obtaining any medical care.
    • All injuries, no matter how small, should be reported to your employer in a timely manner.
    • Maintain clear communication with the claims adjuster, employer and your health care provider.
    • It is important for you to take responsibility for your claim and become familiar with the workers’ compensation claims process.
    • The first call for any life-threatening injuries should be to dial 9-1-1.
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    What to do when there's an injury.

    When an injury occurs on the job, no matter how small, it’s vital that the worker and the employer’s representative follow the right steps in a timely fashion.

    After an Injury Occurs

    Know the guidelines.

    This type of insurance is primarily handled by each state’s labor or workers’ compensation board. CopperPoint helps each policyholder understand those requirements and benefits, wherever they operate.

    Injured Workers Guide

    Filling your first prescription quickly. 

    When a worker experiences a work-related injury, quickly and easily filling that first prescription is crucial for their recovery and peace of mind.

    Learn More

    Common Questions

    I'm a new customer, how do I get my claims kit information?

    Access our claims kit online. You will need to know your underwriting policy paper to ensure you download the correct information. Your underwriting policyholder paper information can be found on your onboarding letter, reviewing your policy documents, or contacting us at 800.231.2300.

    I'm not a customer, how can I become a customer?

    If you are not currently a CopperPoint customer, please reach out any of our agent/broker partners in your area to discuss your business needs.

    How do I access the Customer Portal?

    The Customer Portal, also known as the Policyholder Portal, can be accessed by clicking the Login button at the top of the page and selecting the appropriate policyholder login button. 

    A login will be required. For additional information, please visit the Help Center.

    Learn More

    What workers’ comp doesn’t cover.

    • Suicide, including injury or illness due to a self-harm attempt.
    • An injury/illness caused by not following safety precautions/regulations.
    • Non work-related injuries – those received outside of and not as a result of work.
    • An injury/illness caused by participating in illegal activities at work.

    Note: Typically, when an employee accepts workers’ comp benefits, they waive the right to sue their employer for damages.