Istilah Glosari
Kompas - Satu-satunya Glosari Jualan yang Anda Perlukan
Workers’ compensation insurance is a pivotal part of a safe and healthy work environment, providing essential protection to employees and employers.
It fosters a sense of security for employees, knowing they will be supported in the event of a workplace incident, protecting businesses from potentially damaging financial liabilities.
Insurans pampasan pekerja ialah sejenis insurans perniagaan yang memberi manfaat kepada pekerja yang mengalami kecederaan atau penyakit berkaitan kerja.
Secara khusus, insurans ini membantu menampung kos perubatan dan sebahagian daripada gaji yang hilang apabila pekerja tidak boleh bekerja. Dalam sesetengah kes, ia juga boleh memberi manfaat kepada tanggungan pekerja sekiranya berlaku kemalangan maut berkaitan kerja.
Workers compensation insurance covers financial and medical costs related to workplace injuries or illnesses. A workers compensation insurance policy typically includes:
In most cases, if you employ workers, you are legally required to carry workers compensation insurance. This helps protect both your business and your employees. You likely need coverage if:
Most businesses hiring workers need workers' compensation insurance. Those who typically need it include:
The responsibility for paying workers compensation insurance premiums lies with the employer. Here’s how it works:
There are several sources to obtain workers compensation insurance:
The cost of workers compensation insurance varies widely depending on:
Generally, premiums can range from a few hundred to several thousand dollars annually per employee.
To get workers compensation insurance, businesses should:
Kos insurans pampasan pekerja boleh berbeza-beza bergantung pada faktor seperti sifat kerja, bilangan pekerja dan peraturan khusus di negeri atau negara anda.
However, according to the National Academy of Social Insurance, the national average cost of workers’ compensation insurance in the United States is approximately $1.19 per $100 of payroll.
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