In the state of Washington, the financial responsibility for Labor & Industries (L&I) premiums predominantly rests on the shoulders of employers but still includes employees, depending on the type of premium or assessment.
- Accident-Fund Premium: This premium is exclusively paid by employers. It is designated to cover various non-medical costs associated with a worker’s claim. These costs include wage-replacement benefits, which provide financial support to workers during their recovery period when they are unable to work. Permanent disability benefits are included under this premium, offering financial assistance to workers who suffer long-term or permanent impairments due to a workplace injury. Additionally, survivor benefits are provided under this fund to support the families of workers who have died due to work-related injuries or illnesses.
- Medical-Aid Premium: This premium is a shared responsibility between employers and employees. The primary purpose of the medical-aid premium is to finance the medical care and related services necessary for the recovery of injured workers. This includes a wide range of medical services, treatments, and rehabilitation necessary to help the worker recover and return to work. Some vocational services, aimed at assisting workers in their return to employment, are also covered under this premium.
- Stay-at-Work Premium: Similar to the medical-aid premium, the stay-at-work premium is paid by both employers and employees. This premium is specifically aimed at encouraging employers to provide light-duty or transitional jobs for their injured employees during their recovery phase. The premium provides partial reimbursement to employers for the wages paid and other expenses incurred while accommodating injured workers in these temporary roles.
- Supplemental-Pension Assessment: This assessment is jointly funded by employers and employees. It is particularly important for workers who experience extended disabilities due to workplace injuries. The supplemental-pension assessment contributes to cost-of-living increases for these workers, ensuring that their benefits are adjusted in line with inflation and other economic factors. Notably, this assessment is not experience-rated, meaning its cost is not influenced by the employer’s claim history or industry risk level.
Washington Labor & Industries claims can be complex and overwhelming. Workers may face challenges such as denied claims, insufficient benefits, or issues with self-insured employers. This is where an Aberdeen workers’ compensation attorney becomes essential. The attorneys at Solan & Solan, PS have the skill and experience to navigate these complex scenarios, ensuring that injured workers receive fair treatment and adequate compensation.
Contact us today for a free consultation and take the first step towards securing your workers’ compensation benefits.
