{"id":49580,"date":"2020-08-25T22:22:58","date_gmt":"2020-08-26T03:22:58","guid":{"rendered":"https:\/\/unicogroup.com\/?page_id=49580"},"modified":"2025-10-31T09:23:38","modified_gmt":"2025-10-31T14:23:38","slug":"work-comp","status":"publish","type":"page","link":"https:\/\/unicogroup.com\/business-insurance\/work-comp\/","title":{"rendered":"Workers&#8217; Compensation"},"content":{"rendered":"[vc_row][vc_column][vc_btn title=&#8221;Business Coverages&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#003a70&#8243; outline_custom_hover_background=&#8221;#003a70&#8243; outline_custom_hover_text=&#8221;#ffffff&#8221; size=&#8221;sm&#8221; align=&#8221;left&#8221; i_icon_fontawesome=&#8221;fas fa-arrow-left&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:https%3A%2F%2Funicogroup.com%2Fbusiness-insurance%2F|title:Business%20Insurance||&#8221;][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text]\n<h1><span style=\"color: #003a70;\"><strong>What is workers&#8217; compensation?<\/strong><\/span><\/h1>\n<p>Workers\u2019 compensation coverage pays benefits to workers injured on the job, including medical care, part of lost wages and permanent disability. It also provides death benefits to dependents of employees killed from a work-related accident.<\/p>\n<p>It&#8217;s important to note that workers\u2019 compensation systems are different in every state, as individual statutes and court decisions have shaped the way they handle claims, evaluate impairments, settle disputes, provide benefits and control costs.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;50274&#8243; img_size=&#8221;600&#215;450&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;.vc_custom_1615902344976{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594136534456{border-top-width: 4px !important;border-right-width: 4px !important;border-bottom-width: 4px !important;border-left-width: 4px !important;border-left-color: #71b2c9 !important;border-left-style: solid !important;border-right-color: #71b2c9 !important;border-right-style: solid !important;border-top-color: #71b2c9 !important;border-top-style: solid !important;border-bottom-color: #71b2c9 !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;49268&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1594140479732{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>Proven results<\/strong><\/span><\/h2>\n<p data-pm-slice=\"1 1 []\">Our WC Claim Advocacy and reserve verifications reduced claim reserves by <strong>$4,500,000<\/strong> in 2025, saving nearly <strong>$3,500,000<\/strong> in premiums through lower experience modification factors.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#f5f5f5&#8243;][vc_column][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>History and importance of workers&#8217; compensation<\/strong><\/span><\/h2>\n<p>During the 19th century, the number of individuals joining the workforce grew exponentially. As a result, the number of workplace accidents grew as well. At that time, the only way that injured workers could obtain compensation for their injuries was to sue the employer. Many legislative proposals emerged early in the 20th century, focusing on compensating injured workers for their medical care and lost wages.<\/p>\n<p>By 1949, all states had a system in place to provide compensation for injured employees. Under these systems, the employer was responsible for providing compensation for the cost of medical care and wages lost, and consequently, the employee gave up his or her right to sue the employer for injuries.<\/p>\n<p>As part of the insurance package, the injured worker\u2019s medical, rehabilitation and lost wages are paid for by the state or insurance carrier. If the injury leaves the employee disabled, the insurance carrier will pay the claim based on the extent of the injuries and based on its permanence. The disability will fall into one the following categories: temporary total, temporary partial, permanent partial or permanent total disability.<\/p>\n<p>Workers\u2019 compensation rates and programs are managed by private insurers, state funds or the <a href=\"https:\/\/www.ncci.com\/\" target=\"_blank\" rel=\"noopener\">National Council on Compensation Insurance<\/a> (NCCI). If you would like more information about how your state handles these programs, <a href=\"https:\/\/www.unicogroup.com\/contact-us\/\">contact us.<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>Employer work comp <\/strong><\/span><span style=\"color: #003a70;\"><b>responsibilities<\/b><\/span><\/h2>\n<p>Employers are required to do the following to comply with workers\u2019 compensation insurance laws:<\/p>\n<ul>\n<li>Provide coverage for their employees and are held liable for all injuries suffered by employees while they are on the job (with the exception of employers residing in the state of Texas)<\/li>\n<li>Pay premiums and provide the carrier with audit payroll numbers<\/li>\n<li>Provide a safe environment<\/li>\n<li>Notify the carrier as soon as possible after an injury<\/li>\n<li>Investigate injuries<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;52792&#8243; img_size=&#8221;600&#215;450&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;.vc_custom_1615903893787{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#eff5f7&#8243;][vc_column][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>How can you control workers&#8217; compensation costs?<\/strong><\/span><\/h2>\n<p>There are many ways for you to control workers\u2019 compensation costs for your business. The most important is to convince your employees that maintaining a safe workplace is vital and will consequently reduce your insurance costs.[\/vc_column_text][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594141023223{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-xs-2&#8243;][vc_column_text]\n<h1 style=\"text-align: center;\"><span style=\"color: #003a70; font-size: 84px;\"><b>1<\/b><\/span><\/h1>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; offset=&#8221;vc_col-xs-10&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Return-to-work<\/strong><\/span><\/h4>\n<p>Implement a return-to-work policy in which employees work modified duty until they are fully healthy to do their jobs.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594140584103{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-xs-2&#8243;][vc_column_text]\n<h1 style=\"text-align: center;\"><span style=\"color: #003a70; font-size: 84px;\"><b>2<\/b><\/span><\/h1>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; offset=&#8221;vc_col-xs-10&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Understand factors<\/strong><\/span><\/h4>\n<p>Understand the elements that contribute to your workers\u2019 compensation costs. It is vital that you understand the impact that each brings to your overall pricing.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594140578757{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-xs-2&#8243;][vc_column_text]\n<h1 style=\"text-align: center;\"><span style=\"color: #003a70; font-size: 84px;\"><b>3<\/b><\/span><\/h1>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; offset=&#8221;vc_col-xs-10&#8243;][vc_column_text]\n<h4><strong><span style=\"color: #003a70;\">Safe\u00a0<\/span><span style=\"color: #003a70;\">practices<\/span><\/strong><\/h4>\n<p>Orient and train your employees on safe practices necessary for their job functions and tasks.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594140571793{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-xs-2&#8243;][vc_column_text]\n<h1 style=\"text-align: center;\"><span style=\"color: #003a70; font-size: 84px;\"><b>4<\/b><\/span><\/h1>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; offset=&#8221;vc_col-xs-10&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Prompt reporting<\/strong><\/span><\/h4>\n<p>Insist that employee claims are reported promptly, as statistics reveal that for every week that a claim goes unreported, the cost can increase as much as 50 percent.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594140565787{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-xs-2&#8243;][vc_column_text]\n<h1 style=\"text-align: center;\"><span style=\"color: #003a70;\"><span style=\"font-size: 84px;\"><b>5<\/b><\/span><\/span><\/h1>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; offset=&#8221;vc_col-xs-10&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Investigate<\/strong><\/span><\/h4>\n<p>Investigate the cause of injuries and illnesses. While one injury may be behind you, others will take its place unless you do something to reduce the chance of the incident occurring again.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221;][vc_column][vc_column_text]\n<h2><span style=\"color: #003a70;\"><b>Further managing your workers&#8217; compensation costs<\/b><\/span><\/h2>\n<p>Your workers\u2019 compensation insurance premium is based on a rating your company has, which is based on payroll, averages for your industry and claims experienced over a three-year period. Claims have a direct impact on this <a href=\"https:\/\/www.unicogroup.com\/business-insurance\/work-comp\/modmaster\/\" target=\"_blank\" rel=\"noopener\">experience modification factor<\/a> (mod), which can significantly drive up premiums. This means many times a company will pay for its own claims in increased premium costs. There are many things that companies can do to lower their workers\u2019 compensation costs, such as the following:<\/p>\n<ul>\n<li>Inspecting your insurance policy to make sure that all job classifications and payrolls are correct.<\/li>\n<li>Making an investment in workplace safety to avoid accidents to improve claim histories and reduce overall costs. If you modify operating procedures even slightly, you can alleviate unnecessary exposure to injuries.<\/li>\n<li>Creating a modified duty program at your organization to help injured employees return to work sooner. Under these programs, employees are assigned duties that they can physically complete while they recover. The most successful return to work programs incorporate speedy, quality medical care and assistance to reduce emotional stress after an accident.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594136524389{border-top-width: 4px !important;border-right-width: 4px !important;border-bottom-width: 4px !important;border-left-width: 4px !important;padding-top: 12px !important;padding-right: 12px !important;padding-bottom: 12px !important;padding-left: 12px !important;border-left-color: #71b2c9 !important;border-left-style: solid !important;border-right-color: #71b2c9 !important;border-right-style: solid !important;border-top-color: #71b2c9 !important;border-top-style: solid !important;border-bottom-color: #71b2c9 !important;border-bottom-style: solid !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;37676&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1594140466444{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243;][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>Certified WorkComp Advisors<\/strong><\/span><\/h2>\n<p><span style=\"font-size: 16px;\">We take workers\u2019 comp seriously, knowing it\u2019s the most controllable form of insurance you have. Our Certified WorkComp Advisors work with you to establish a process that reduces costs and improves productivity.<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#eff5f7&#8243;][vc_column][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>How can UNICO help control work comp costs?<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594137942965{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Safety and Loss Control<\/strong><\/span><\/h4>\n<p>Reduce the number and severity of workers\u2019 compensation claims through safety programs in the workplace.<\/p>\n<ul>\n<li>Assistance and training in the development of a safety committee<\/li>\n<li>Creation and implementation of a new employee safety orientation program<\/li>\n<li>Employee flyers and presentations<\/li>\n<li>Safety meeting topics<\/li>\n<li>Written safety manuals and policies<\/li>\n<li>Establishment of an injury review process<\/li>\n<\/ul>\n[\/vc_column_text][vc_btn title=&#8221;Learn more&#8221; style=&#8221;outline&#8221; color=&#8221;inverse&#8221; link=&#8221;url:https%3A%2F%2Funicogroup.com%2Fbusiness-insurance%2Floss-control%2F|title:Loss%20Control%20and%20Safety%20Management||&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594137937023{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Claims Advocacy<\/strong><\/span><\/h4>\n<ul>\n<li>Claim review meetings and consulting<\/li>\n<li>Cost of claims analysis<\/li>\n<li>Shock loss mod letters<\/li>\n<li>Monitoring claims<\/li>\n<li>Claim reporting assistance<\/li>\n<\/ul>\n[\/vc_column_text][vc_btn title=&#8221;Learn more&#8221; style=&#8221;outline&#8221; color=&#8221;inverse&#8221; link=&#8221;url:https%3A%2F%2Funicogroup.com%2Fbusiness-insurance%2Fwork-comp%2Fclaims-advocacy%2F|title:Loss%20Control%20and%20Safety%20Management||&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594137937023{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>ModMaster<\/strong><\/span><\/h4>\n<p>We help our clients understand their mod rating and provide them with ways to significantly save on their workers\u2019 compensation premiums.<\/p>\n<ul>\n<li>Mod premium analysis<\/li>\n<li>Discover cost drivers<\/li>\n<li>Stay ahead of your losses<\/li>\n<li>Control your costs<\/li>\n<\/ul>\n[\/vc_column_text][vc_btn title=&#8221;Learn more&#8221; style=&#8221;outline&#8221; color=&#8221;inverse&#8221; link=&#8221;url:https%3A%2F%2Funicogroup.com%2Fbusiness-insurance%2Fwork-comp%2Fmodmaster%2F|title:Loss%20Control%20and%20Safety%20Management||&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594137949789{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Return to Work Programs<\/strong><\/span><\/h4>\n<p>Get injured employees back on the job sooner with our resources for creating effective return to work programs:<\/p>\n<ul>\n<li>Identification of light duty jobs<\/li>\n<li>Development of an ADA-compliant written policy and job descriptions<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1594137955993{background-color: #ffffff !important;border-radius: 10px !important;}&#8221; el_class=&#8221;grow&#8221;][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/6&#8243;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Supervisory Training<\/strong><\/span><\/h4>\n<p>Make sure everyone is on board with the loss control initiatives by using our supervisory training materials, which emphasize:<\/p>\n<ul>\n<li>The financial impact of employee injuries<\/li>\n<li>How to prevent worker injury<\/li>\n<li>The basics of cumulative trauma injuries<\/li>\n<li>How to improve ergonomics of workstations<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row gap=&#8221;20&#8243; equal_height=&#8221;yes&#8221;][vc_column][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>Additional Resources<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;30&#8243;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613415200312{border-top-width: 6px !important;background-color: #f5f5f5 !important;border-top-color: #71b2c9 !important;border-top-style: solid !important;}&#8221;][vc_column_text]\n<h4><span style=\"color: #003a70;\"><strong>Case Studies<\/strong><\/span><\/h4>\n<p>Read more about UNICO and various potential insurance experiences through these Case Studies.[\/vc_column_text][vc_btn title=&#8221;Learn more&#8221; style=&#8221;outline&#8221; color=&#8221;inverse&#8221; link=&#8221;url:https%3A%2F%2Funicogroup.com%2Fbusiness-insurance%2Fwork-comp%2Fclaim-reserve-case-study%2F|title:Work%20Comp%20Claim%20Reserve%20Case%20Study&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2><span style=\"color: #003a70;\"><strong>Related Insights<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_basic_grid post_type=&#8221;post&#8221; max_items=&#8221;3&#8243; item=&#8221;49338&#8243; grid_id=&#8221;vc_gid:1761920548436-ec6b7869-9d8a-2&#8243; taxonomies=&#8221;80, 75, 73, 57, 126, 77, 74&#8243;][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>Workers\u2019 compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident.<\/p>\n","protected":false},"author":20,"featured_media":50274,"parent":40794,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-49580","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/49580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/comments?post=49580"}],"version-history":[{"count":2,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/49580\/revisions"}],"predecessor-version":[{"id":62903,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/49580\/revisions\/62903"}],"up":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/40794"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/media\/50274"}],"wp:attachment":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/media?parent=49580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}