Tennessee Workers Compensation

Tennessee isn’t a monopolistic state for Workers' Compensation coverage, so employers who need to purchase coverage can purchase from agents or brokers licensed to sell business insurance in the state. CoverWallet can be a great resource as well, providing expert advice on Workers' Compensation coverage and other key insurance types for your business.

Workers' Compensation coverage is designed to pay for costs associated with work-related injuries or occupational illnesses. In many cases, claims are subject to recommendations by a case physician, who may deem the injury to be minor or not cause any disability. Claims due to injuries that did not happen on the job can also be denied.

Like most states, Tennessee uses rating data from the National Council on Compensation Insurance (NCCI) to help determine rates by industry type. Other factors, such as safety and claim history for your business, as well as your payroll, are also used to determine how much Workers' Compensation will cost for your business.

Tennessee employees who have suffered a work-related injury may be entitled to receive medical treatment for as long as required by the authorized treating physician. Workers' Compensation coverage in Tennessee also provides temporary disability benefits to replace lost wages beginning on the eighth day of the disability and possibly retroactively to the first day of the disability. Temporary disability benefits are usually paid at a rate of ⅔ of the worker's average weekly earnings.