Can an employer pay claims out of pocket for Worker Compensation injuries sustained by an employee?
Workers Compensation FAQs
The Kansas Department of Labor Workers Compensation Division is responsible for the administration of the Kansas Workers Compensation laws and rules. The division focuses on ensuring employees injured at work, employers, health care providers and insurance carriers receive timely, impartial and fair claim resolution.
null Can an employer pay claims out of pocket for Worker Compensation injuries sustained by an employee?
Employers must provide for payment of claims in one of three ways:
- Workers Compensation insurance: obtained from a licensed insurance carrier. The employer pays the premiums and the insurance company pays the claims. The insurance carriers are regulated by the Kansas Insurance Department.
- Self-insurance: an individual employer must demonstrate to the state the financial ability to pay any claims that might arise. This program is administered by the Division of Workers Compensation.
- Group-funded pool: a group of employers meeting certain statutory requirements may form a self-insurance program to jointly insure their ability to pay claims. This program is administered by the Kansas Department of Insurance.