Workers’ Comp for Massage Therapists: What You Need To Know
Workers’ comp insurance is a necessary cover for businesses. It provides medical care for employees injured on the job. Massage therapists are not an exception. They, too, are exposed to injuries from repetitive tasks, improper posture, and overuse. Regardless of the preventative measures in place, you still need a workers’ comp for massage therapists.
Massage therapists can experience wrist or cuff injuries which may cause them to stay away from work for a while. You should get workers’ comp to protect your business from any financial liability.
Here’s what you need to know about workers’ comp for massage therapists.
1. What Workers’ Comp Means
As a massage therapist, it’s essential to understand your rights and options when it comes to workers’ compensation. Workers’ compensation is insurance that provides a cover to employees who get injured or become ill because of their job. In most states, employers are required by law to carry workers’ comp insurance. Massage therapists are not an exception to this law.
If you are injured or become ill while performing your job as a massage therapist, you may be eligible for worker’s comp benefits which include payment for medical treatment, lost wages, and other related expenses.
2. How to Qualify for Workers’ Comp
To be eligible for workers’ compensation, you must report your injury or illness to your employer as soon as possible. Your employer will then file a claim with their workers’ comp insurance provider. It is also essential to document your injury or illness and keep detailed records of any medical treatment or other expenses related to your injury.
This documentation can be helpful in proving your claim and ensuring that you receive the full benefits you are entitled to. If your claim is denied, you have the right to appeal the decision. It is crucial to seek the assistance of an experienced workers’ comp attorney who can help navigate the appeals process and protect your rights.
3. Understand Your State’s Workers’ Comp Laws
It is also essential to understand that workers’ compensation laws vary from state to state. Be sure to familiarize yourself with your state’s specific laws and regulations to ensure you are fully informed about your rights and options.
For instance, some states may require injured employees to see a designated doctor for treatment. This is to ensure that the treatment is covered by the insurance and to prevent fraud.
4. Cost of Workers’ Compensation Insurance
Unfortunately, there is no one-size-fits-all policy for workers’ comp. The total cost will depend on your payroll records, history of workplace accidents, and the nature of your business. When you pay for workers’ compensation premiums, you invest in business protection to ensure it remains healthy when employees get injured. In addition, different workers in your massage therapy studio qualify for different premiums depending on each employee’s work scope.
Conclusion
Workers’ comp for massage therapists can protect your business. If one of your employees is injured on the job, it protects your business from costly medical costs, lawsuits, and other legal issues.
