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Lost Wage Protection is a critical component of Workers’ Compensation Insurance, designed to replace a portion of an employee’s income when a job-related injury or illness prevents them from working. When wages stop, financial stress can rise quickly—this coverage ensures injured workers continue receiving income while they recover, helping protect both employee well-being and employer compliance.
For businesses, Lost Wage Protection fulfills a key legal requirement under state Workers’ Compensation laws while reducing the risk of disputes, penalties, or litigation related to unpaid wages during recovery.
Depending on the severity and duration of the injury, Lost Wage Protection may include:
Ongoing wage benefits when an employee can no longer return to any form of employment.
Each benefit type is calculated according to state-specific Workers’ Compensation guidelines.
We calculate benefits using verified average weekly wage data and state-specific formulas—reducing errors, delays, and disputes.
Our team coordinates directly with insurers, medical providers, and employees to ensure fast, transparent wage replacement claims.
From low-risk office staff to high-risk field operations, we tailor wage protection based on actual job exposure and payroll structure.
We help employers stay compliant while demonstrating real commitment to employee financial security and recovery.
It provides income replacement for employees unable to work because of a job-related injury or illness, ensuring financial support during recovery.
Most states require payments of approximately two-thirds of the worker’s average weekly wage, subject to maximum and minimum limits.
Lost wage payments typically begin after a waiting period—often three to seven days—depending on state law. If recovery extends beyond that, retroactive benefits may apply.
Yes. Employees who can return to work with restricted hours or light-duty tasks may receive partial wage benefits to supplement reduced earnings.
The duration depends on the severity and classification of the disability—temporary or permanent—and continues until the worker reaches maximum medical improvement.
The employer’s Workers’ Compensation Insurance covers all benefit payments; employees do not contribute to these costs.
