{"id":4069,"date":"2021-08-13T09:00:35","date_gmt":"2021-08-13T09:00:35","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4069"},"modified":"2023-01-05T10:33:18","modified_gmt":"2023-01-05T10:33:18","slug":"types-of-workers-comp-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/types-of-workers-comp-insurance\/","title":{"rendered":"3 tipos de cobertura de compensaci\u00f3n para trabajadores"},"content":{"rendered":"

La compensaci\u00f3n para trabajadores es un tipo de seguro destinado a ayudar a los empleadores a absorber los costos asociados con las reclamaciones presentadas por empleados que se lesionan en el trabajo. Como ocurre con otros tipos de <\/span>seguro de negocio<\/span><\/a>, hay diferentes opciones disponibles con la cobertura de compensaci\u00f3n para trabajadores. T\u00f3mese un momento para obtener m\u00e1s informaci\u00f3n sobre los tres tipos de compensaci\u00f3n para trabajadores a considerar para su empresa.<\/span><\/p>\n

1. Cobertura solo m\u00e9dica<\/h2>\n

Los costos m\u00e9dicos relacionados con una lesi\u00f3n en el trabajo pueden ser dif\u00edciles de absorber para muchas empresas. Por esta raz\u00f3n, la cobertura solo m\u00e9dica es uno de los tipos preferidos de seguro de compensaci\u00f3n para trabajadores. Este tipo de p\u00f3liza paga principalmente los costos relacionados con la salud asociados con un incidente calificado. Tambi\u00e9n es com\u00fan que las p\u00f3lizas de esta naturaleza incluyan la capacidad de cubrir el tiempo perdido por no poder regresar al trabajo. Algunas p\u00f3lizas exclusivamente m\u00e9dicas tambi\u00e9n tienen per\u00edodos de espera o demoras breves antes de que se paguen los beneficios.<\/span><\/p>\n

2. Incapacidad Temporal<\/h2>\n

Con este tipo de compensaci\u00f3n para trabajadores, los beneficios se pagan si un trabajador lesionado necesita tiempo para recuperarse antes de recibir la aprobaci\u00f3n m\u00e9dica para regresar al trabajo. Solo se aplica a las lesiones que ocurrieron espec\u00edficamente durante el trabajo, aunque puede haber algunas excepciones. Por ejemplo, si un problema de espalda existente empeor\u00f3 como resultado de una lesi\u00f3n relacionada con el trabajo, se pueden aprobar beneficios por incapacidad temporal. Sin embargo, este beneficio finaliza una vez que el empleado puede regresar al trabajo.<\/span>
\n<\/span>
\n<\/span>La incapacidad temporal parcial es una variaci\u00f3n de este tipo de cobertura que puede aplicarse cuando un empleado regresa al trabajo antes de que se haya recuperado por completo. Es m\u00e1s probable que se solicite u otorgue esto si el empleado afectado necesita trabajar menos horas hasta que se recupere por completo. En este caso, los beneficios compensar\u00edan la p\u00e9rdida de ingresos por trabajar menos horas. Estos beneficios tambi\u00e9n suelen terminar cuando el empleado puede reanudar su horario de trabajo normal.<\/span><\/p>\n

3. Invalidez Permanente<\/h2>\n

Si las lesiones de un empleado son graves o debilitantes, es posible que no pueda volver a trabajar de manera segura. Si este fuera el caso, puede beneficiarse del tercer tipo de compensaci\u00f3n de trabajadores, cobertura de incapacidad permanente. La advertencia aqu\u00ed es que las lesiones que resulten en una discapacidad permanente deben ser aquellas que afecten la capacidad para realizar tareas relacionadas con el trabajo. Los beneficiarios de esta cobertura generalmente necesitan tener alg\u00fan tipo de impedimento que probablemente no mejore.<\/span>
\n<\/span>
\n<\/span>Tambi\u00e9n es posible que los beneficios por incapacidad permanente parcial sean una opci\u00f3n adicional con este tipo de cobertura. Esto puede suceder si un empleado a\u00fan puede trabajar en alguna capacidad, incluso si ya no puede llevar a cabo sus funciones laborales anteriores.<\/span><\/p>\n

Determinar lo que es correcto para su negocio<\/h2>\n

Como m\u00ednimo, muchas empresas se benefician m\u00e1s de la compensaci\u00f3n de trabajadores solo m\u00e9dica. Debido a las muchas variables involucradas en las decisiones relacionadas con los seguros, puede ser \u00fatil reunirse con un profesional de seguros antes de tomar cualquier decisi\u00f3n. Si lo hace, le da la oportunidad de discutir sus opciones y obtener asesoramiento personalizado.<\/span><\/p>\n

Los due\u00f1os de negocios necesitan compensaci\u00f3n de trabajadores porque operar un negocio significa asumir ciertos tipos de riesgo, incluida la posibilidad de lesiones a los empleados. Para un seguro comercial asequible y confiable, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <\/span>seguro de auto chula vista<\/span><\/a>, recurra a los profesionales de confianza de Altra Insurance Services. Comun\u00edquese con nosotros hoy al (800) 719-9972 para saber c\u00f3mo podemos satisfacer todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

La compensaci\u00f3n para trabajadores es un tipo de seguro destinado a ayudar a los empleadores a absorber los costos asociados con las reclamaciones presentadas por empleados que se lesionan en el trabajo. Como es el caso con otros tipos de seguros comerciales, existen diferentes opciones disponibles con la cobertura de compensaci\u00f3n para trabajadores. T\u00f3mese un momento para aprender m\u00e1s sobre los tres tipos... <\/p>\n

Continue reading “3 Kinds of Workers\u2019 Compensation Coverage”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4069","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nWhat Are the 3 Types of Workers\u2019 Compensation?<\/title>\n<meta name=\"description\" content=\"One of the smartest investments your business can make is workers\u2019 compensation coverage. 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