- 1776 N Pine Island Rd, Suite 324 Plantation FL, 33322
- quotes@caseyinsurancecompanies.com
- +1 (888) 537-1412
Lost Wage Protection, also known as Disability Benefits under Workers’ Compensation Insurance, provides financial assistance to employees who are unable to work due to a job-related injury or illness. When an employee’s earning ability is disrupted, this coverage replaces a portion of their regular income—helping them maintain financial stability while they recover.
Depending on the nature and severity of the injury, benefits may cover temporary total disability, temporary partial disability, or permanent impairment. Each ensures that employees continue receiving income during their period of recovery, so they can focus on getting well without the stress of unpaid bills or lost income.
For employers, this coverage is equally vital. It fulfills a key legal obligation under state Workers’ Compensation laws while strengthening workforce trust and reducing the risk of litigation related to unpaid wages during recovery.
We ensure benefits are calculated based on state-specific requirements and accurate average weekly wage data, avoiding payment delays or disputes.
Our claims specialists work directly with employees, medical providers, and carriers to ensure lost wage claims are processed quickly and transparently.
Whether you manage office staff, contractors, or field technicians, we structure your policy to reflect real-world risk levels and income structures.
We help businesses maintain compliance while showing genuine care for their employees’ financial recovery and long-term loyalty.
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.
It ensures that injured employees can focus on recovery without financial stress, while protecting employers from potential wage disputes or lawsuits.
