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About Workers' Comp

 

  • What is workers' compensation? 

    Workers’ compensation insurance was first developed in the U.S. at the beginning of the 20th century. Basically, workers’ compensation provides payment for medical treatment and wage replacement associated with injuries arising out of or in the course of work.


    In most states, all employers (with a few exceptions) are required to carry workers’ comp insurance for their employees. In return for this guarantee of coverage, workers generally are unable to sue their employer for the injury. In legal circles, workers’ comp is described as the sole remedy for workplace injury.


    Because workers’ compensation law is made by the state, each state has its own idiosyncrasies when it comes how it administers this law. To find out more, visit your state's workers' compensation agency's website.

     

  • How does it work?
    If you are injured at work, your employer must contact MEMIC to begin the process of making a claim against their policy.

    Once an injury is reported, we provide appropriate access to doctors and pay timely and appropriate wage-replacement benefits.

 

  • Who is MEMIC?
    We are a workers' compensation insurer. Employers buy our insurance policies through independent insurance agencies.

 

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