Workers' Compensation Training For Insurance Agents In Delaware

Improve Your Workers' Compensation Skills!

Are you an Delaware Insurance Agent or handle workers' compensation administration for a Delaware organization? Do you need to know more about the workers comp state laws and statutes in Delaware? If yes, we can can help! Simply read below for an overview of what you need to know, as well as links info on Delaware workers comp rules and training course to help you stay in compliance.

What Should An Insurance Agent Know Re Delaware Workers Compensation?

Any business in Delaware that has employees is required to have workers' compensation insurance. This requirement includes corporate officers, though up to eight corporate officers can opt out of workers' comp coverage at any one company.

At a base level, insurance agents should be able to explain to their clients how workers compensation in Delaware works, understand their clients' past and potential claims, then be able to get quotes for coverage. Regarding coverage - and it's cost - insurance agents should understand the number and type of employees, as well as the kind of work the employees do in order to get quotes.

Regarding the administrative end, Insurance Agents should understand the state's workers comp rules and requirements, how to deal with accommodation and return-to-work requests, management of the claim, proper account handling procedures, and how to fight fraudulent claims. Read below for training courses that teach you and your clients how to do this and more!

What Should Insurance Agents And Administrators Know About Workers Comp Compliance?

Insurance Agents should have at least a working knowledge of, and individuals assigned to handle workers compensation responsibilities should specifically know, how to develop, maintain, and manage the organization's workers' comp program, investigate and process workers' compensation claims, communicate with employees, managers, insurance carriers, medical providers, attorneys, and upper management re workers comp issues.

Further, workers comp administrators should be able to accurately and timely report workplace injuries and illnesses, work within the various workers compensation laws, rules, and requirements for issues and requests such as accommodations, restrictions, and return-to-work. Yes, there is a lot of work - and regulations - in handling an organization's workers comp responsibilities. But don't worry, we have many workers comp training courses that can help!

Delaware Workers' Compensation Rules and Requirements

Coverage Requirements

Delaware requires all employers with one or more employees to carry workers' compensation insurance. Coverage must be in place before an employee begins work. This requirement applies to full-time, part-time, temporary, and seasonal employees, unless a specific statutory exemption applies.

Employers Required To Carry Coverage

Workers' compensation coverage is generally required for:

• Employers with one or more employees
• Full-time employees
• Part-time employees
• Seasonal and temporary employees
• Out-of-state employers with employees performing substantial work in Delaware
• Most public and private employers

Common Exemptions

The following are generally exempt or subject to special rules:

• Independent contractors who meet the legal definition
• Most agricultural (farm) workers, unless the employer elects coverage
• Certain individuals excluded by Delaware law
• Construction workers generally cannot be treated as independent contractors for workers' compensation purposes and are typically considered employers or employees under the law.

Employer Responsibilities

Employers must:

• Obtain workers' compensation insurance from a licensed carrier or qualify as a self-insured employer.
• Maintain continuous insurance coverage.
• Pay the full cost of the insurance; employees cannot be charged any portion of the premium.
• Provide prompt medical treatment following a workplace injury.
• File a First Report of Occupational Injury or Disease with the Office of Workers' Compensation and the insurance carrier within 10 days after learning of the injury.
• Maintain injury records and cooperate with the insurance carrier throughout the claim process.

Employee Responsibilities

• An injured employee should:
  • Report the injury to the employer immediately.
  • Seek necessary medical treatment.
  • Cooperate with the employer, insurance carrier, and medical providers during the claim.
  • Attend any required independent medical examinations if requested under Delaware law.

  Benefits Available

  Eligible employees may receive:
  • Medical treatment
  • Hospital and surgical care
  • Prescription medications
  • Temporary total disability benefits
  • Temporary partial disability benefits
  • Permanent impairment benefits
  • Death benefits for eligible dependents
  • Funeral benefits in qualifying cases

  Wage Replacement

  Wage replacement benefits generally begin on the fourth day of disability.
• If the disability lasts 7 days or more, benefits are payable retroactively from the first day of disability.
• Disability benefits are generally calculated as two-thirds of the employee's average weekly wage, subject to Delaware's statutory minimum and maximum benefit limits.

Self-Insurance

Employers that meet Delaware's financial and regulatory requirements may apply to become self-insured. Self-insured employers are responsible for directly paying workers' compensation benefits and must satisfy state security and administrative requirements.

Penalties For Noncompliance

Employers that fail to maintain required workers' compensation insurance may face:

• Civil fines
• Stop-work orders
• Legal enforcement actions
• Personal liability for all medical expenses, lost wages, and other workers' compensation benefits owed to injured employees

State Agency

Workers' compensation in Delaware is administered by the Office of Workers' Compensation, within the Delaware Department of Labor, Division of Industrial Affairs. The agency oversees employer compliance, claims administration, enforcement, and dispute resolution through the Industrial Accident Board (IAB).

Delaware Workers' Compensation Training Courses

Listed below are some of our best-selling workers comp seminars, webinars, and online training courses. You attend seminars either via video conference or in-person at a specific date, time, and venue. Webinars are available in live, CD, and OnDemand formats.

Online Workers Comp Training Courses

The following are online courses you can take anywhere with Internet access:

• How Workers Comp Works
  
• Integrating FMLA, ADA, COBRA, And Workers' Compensation Training & Certification Program

Workers Comp Training Seminars And Webinars

• Workers' Comp Training Seminar
• Workers' Comp 101: The Whats, Whens, And Whys
• Tips For Tracking, Monitoring, And Managing Your Workers' Comp Claims
• Workers' Comp Cost Savings Tips
• Return-To-Work Strategies
• Tips That Strengthen Your Workers' Comp Program

Find Other Workers Comp Training Courses

Select one of the recommended courses herein or use the search box to find additional workers compensation training courses.