Overview of Workers' Compensation
Workers' Compensation is a state-mandated benefit for workers injured on the job. The state-mandated workers' compensation benefits include:
- Medical Treatment reasonably required to help recover from the effects of the injury.
- Temporary Disability Payments if an injured worker loses time from work. The benefit rate is set by law with a maximum of $881.66 per week for injuries occurring on or after January 1, 2007. However, some classes of employees such as police officers, firefighters, paramedics, sheriff's deputies, district attorney investigators, juvenile counselors, and teachers may receive full salary in lieu of temporary disability benefits when disabled from a work related injury. Additionally, a City employee who becomes disabled as a result of a battery in the performance of his/her job may be entitled to full salary battery pay in conjunction with temporary disability payments.
- Permanent Disability Payments if an injured worker has a permanent disability as the result of a work injury. The benefit amounts are set by law based on the severity of the disability.
- Supplemental Job Displacement Vouchers are available if the injured worker cannot return to the job s/he held at the time of injury.
- Death Benefits are given to a spouse or dependent upon a work related injury or illness which results in death. These benefits are generally paid out bi-weekly, similar to temporary disability benefits.
What should you do if you get injured at work?
Notify your supervisor as soon as possible. Your supervisor will initiate the claim filing process. If your injuries require medical treatment, you must use one of the City's designated medical treatment facilities.
How are workers' compensation benefits paid for?
Smaller businesses or corporations usually buy workers' compensation insurance. The business pays a premium, and the insurance company pays for the benefits provided when a worker sustains a work injury. San Francisco, like most municipalities and many larger corporations, is self-insured for workers' compensation. This means that we do not pay an insurance company to cover our workers' compensation costs. These costs come out of the City's budget. In fact, the cost of workers' compensation claims are charged back to the annual budget of the department where the employee worked at the time of the injury.