Workers’ Compensation Insurance in Maine

Workers' Compensation Insurance in Maine

Workers’ Compensation Insurance in Maine is based on a set of laws that provide benefits to injured employees who become ill on the job. The act protects workers and compensates for any work-related injuries or illnesses, regardless of who was at fault for the injury. This includes, providing payment of medical bills, lost wages, and other expenses related to the injury. It provides for vocational rehabilitation services to help injured workers return to work. Employers are required to carry workers’ compensation insurance for their employees. Employers who cannot provide workers’ compensation insurance face fines or even criminal charges. Estimated employer rates for workers’ compensation in Maine are $1.28 per $100 in covered payroll.

Benefits Eligibility

In Maine, employees may file a claim for workers’ compensation benefits if injured on the job. Employees must report the injury to their employer as soon as possible after it occurs. The Maine’s Workers’ Compensation Act provides for several types of benefits to injured workers. Generally, medical benefits cover the cost of medical treatment related to the injury or illness. They pay wage replacement benefits to injured workers who cannot work because of their injury or illness. Actually, these benefits are typically a percentage of the worker’s pre-injury wages.

The act also provides for permanent impairment benefits and vocational rehabilitation benefits. If they’re unable to qualify, they can buy it from the state’s assigned risk residual market, the Maine Employers’ Mutual Insurance Company (MEMIC). This is the insurance plan of last resort for state employers that can’t find standard coverage due to their extensive number of past workers’ comp claims.

Employers in Maine

Actually, The Maine Workers’ Compensation Board administers workers’ compensation claims. They oversee the workers’ compensation system in the state. The board’s responsibilities include adjudicating disputes between employers and employees over workers’ compensation benefits. Employers in Maine are required to provide workers’ compensation benefits to their employees. Of course, Employees who are injured on the job in Maine are entitled to medical benefits, wage replacement benefits, and other benefits related to their injury or illness.

Have more questions about Workers’ Compensation Insurance in Maine? Contact Us.