A topic every business owner in Georgia with three or more full-time or part-time employees must address is workers’ compensation. To learn more about who’s covered and who isn’t, click here. But let’s say you’re compliant with all the workers’ comp rules and one of your team members gets injured on the job. Now what?
Georgia’s Workers’ Compensation handbook defines two types of injuries: catastrophic injuries and non-catastrophic injuries. Both injury types carry unique payment structures and time-off requirements.
Catastrophic injuries are injuries that prevent employees from performing nearly any basic work duty. This includes injuries such as amputations, head injuries, blindness, paralysis, and severe burns. In other words, catastrophic injuries prevent employees from performing their past duties or nearly any other job available in the job marketplace. Georgia allows catastrophically injured employees to receive two-thirds of their average weekly pay (up to the current maximum allowed under law) until they’re able to return to work. In addition, employees with injuries classified as catastrophic are entitled to medical benefit and vocational rehabilitation.
Non-catastrophic injuries refer to any injury not classified as catastrophic. This is the most common bracket of injuries, and it covers a massive number of potential injury types (e.g., burns, fractures, broken bones, sprains, etc.). Both types of injuries allow workers to collect two-thirds of their average weekly pay, up to the maximum. However, unlike catastrophic injury rates, non-catastrophic wage benefits are on a time limit. In general, you cannot receive non-catastrophic workers’ compensation benefits for more than 400 weeks. That drops to 350 weeks if you are deemed capable of performing work with restrictions.
There are four distinct types of workers’ compensation benefits available to employees based on the nature of the accident and injury. These include:
As you can see, there is more to workers’ compensation compliance than meets the eye. In the unfortunate event that an employee is injured on the job, wouldn’t you prefer to have a partner to help you during that time? Partnering with a trusted, local PEO firm like One Source for workers’ compensation can ease the stress of workman’s compensation.
Contact us today for a free consultation with one of our knowledgeable team members.