What Is StarStone Workers' Compensation?
StarStone Workers' Compensation is a state‑mandated insurance program that provides medical benefits and wage replacement to employees injured on the job. It covers treatment costs, rehabilitation, and a portion of lost wages while the employee recovers. The program is administered by the state's Workers' Compensation Board and funded through employer payroll contributions.
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Who Is Covered?
Any employee hired by a StarStone‑licensed business who sustains a work‑related injury or illness falls under the program. Coverage applies regardless of the employee's age, gender, or job title, provided the injury occurs during the course of employment and is related to job duties.
Typical Injuries Covered
Common workplace injuries include:
- Repetitive strain injuries (e.g., carpal tunnel)
- Falls from height or equipment
- Mechanical or chemical exposures
- Transportation accidents involving company vehicles
How to File a Claim
1. Report the injury to a supervisor within 24 hours.
2. Seek medical attention from a designated provider.
3. Complete a claim form (available on the Workers' Compensation Board website).
4. Submit the form and medical records to the employer's claims administrator.
5. The board reviews the claim, and if approved, benefits are paid directly to the employee or a chosen provider.
Benefits Overview
| Benefit | What It Covers |
|---|---|
| Medical Treatment | All medically necessary care, including surgery, therapy, and medication. |
| Temporary Disability | Up to 60% of average weekly wage for up to 52 weeks. |
| Permanent Disability | Compensation based on severity and impact on future earning. |
| Rehabilitation | Physical, occupational, or vocational rehab services. |
Common Challenges and Tips
Employees often face delays in approval or disputes over medical necessity. To avoid complications:
- Keep detailed records of the injury and treatment.
- Follow all medical recommendations promptly.
- Communicate regularly with the claims administrator.
Appealing a Denied Claim
If a claim is denied, the employee has 60 days to file an appeal with the Workers' Compensation Board. The appeal process includes a hearing before an administrative judge, where evidence and testimonies are reviewed.
Employer Responsibilities
Employers must:
- Maintain accurate payroll records for contribution calculations.
- Provide a safe work environment to minimize injury risk.
- Assist employees in filing claims and gathering necessary documentation.