Eligibility for Workers' Compensation Due to COVID-19 Illness or Injury. California law says that workers’ comp covers employees’ injuries “arising out of … If this happens, the worker should immediately seek legal help with experienced wrongful termination attorneys. New Workers’ Compensation Laws of California, 2021 Martina. Regardless, if you’re self-employed, it’s a good idea to check with the California Department of Industrial Relations to determine what your rights and liabilities are so that you can be sure that you’re properly insured. The penalties include: If a worker is injured and the employer did not have workers’ comp, the employer could be liable for a penalty of $10,000 per employee at the time of injury if the case is compensable, or $2,000 per employee at the time of injury if that particular case was found to be non-compensable. Among other things, because his own payment will also depend on it. Workers’ comp can cover a number of expenses for your employee, including: WORKERS' COMPENSATION INSURANCE . Compensation insurance policies, in general, provide benefits for the payment of medical bills. Similarly, the government imposes fines against uninsured employers of up to $ 100,000. Workers' compensation is a type of usually mandatory insurance purchased by an employer that covers employees in the event of industrial accidents or occupational injury. To receive benefits, the first thing a worker must do is submit a DWC 1 claim form to their employer. Personal Injury Law: Protects the worker when he is injured due to the negligence of another person or company. At the time of injury, the employee must be performing service related to his or her employment;2 3. WORKERS' COMPENSATION INSURANCE . Violation of the California Labor Code (Section 3700.5) is punishable by a fine of up to $ 10,000 or imprisonment for up to one year. Here's what health care practices need to know about workers' compensation. As a requirement, the company must have a net worth of not less than $ 5,000,000. As well as the costs of teaching material and obtaining professional licenses. Lluis Law attorneys with over 40 years of experience are effective in solving cases. In the same way, when the employer considers that he has no obligation whatsoever towards the worker or his family. Workers' compensation laws vary by state. The letter must be accompanied by the claim form that lists those medical expenses. The insurance covers all medical expenses from the most common workplace accidents and injuries. Paid to you at your regular rate of pay, the state minimum wage, or the local minimum wage, whichever is higher, and not to exceed $511 per day and $5,110 in total. Supplemental benefits can be used to pay for education or training expenses for other types of employment. To obtain medical attention, it only needs to be shown that the injury occurred on the job. With the help of an experienced workers’ compensation attorney, these payments may take less time. Workers' compensation or workers' comp (formerly workmen's compensation until the name was changed to make it gender-neutral) is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. How do I qualify for workers’ compensation benefits in California? By Carolyn Rashby, Teresa Lewi and Michelle Barineau on October 8, 2020 Posted in Employment. All employers with three or more employees are required to carry workers’ compensation insurance for all employees (including minors and undocumented workers). 4 In many cases, the Workers’ Compensation Act is the “sole and exclusive remedy” for claims against an employer when an employee has been injured.5 As of September 17, 2020, there is a rebuttable presumption in California that illness or death from COVID-19 is work-related for two specific groups of workers: The new laws expand the presumption of workers’ compensation liability with respect to employees who contract COVID-19, impose new notice and reporting requirements on employers with respect to COVID-19 cases in the workplace, and expand the California Occupational Health and Safety Administration’s (“Cal/OSHA”) enforcement authority. In most cases, filing a workers’ comp claim in California is actually a three-step process: reporting the injury; filing the actual claim with your employer, and; filing an “application for adjudication of claim” with the Workers’ Compensation Appeals Board (WCAB). This is essential proof for requesting reimbursement of medical expenses. Depending on the severity of the injury, you may need the help of a California workers’ compensation attorney. On September 17, 2020, California Governor Gavin Newsom signed two laws creating new or expanded obligations concerning COVID-19—Senate Bill (SB) 1159 and Assembly Bill (AB) 685. When a claim is rejected, the worker will not be able to receive any compensation until a ruling is issued in his favor. Speak with a workers' comp specialist today or start a quote online. Get help with class codes, rates and forms. It’s required in case an employee becomes sick or is injured as a result of their job. The U.S. Department of Labor's Office of Workers' Compensation Programs (OWCP) administers four major disability compensation programs which provides to federal workers (or their dependents) and other specific groups who are injured at work or acquire an occupational disease – providing the injured:/p> Wage replacement benefits Medical treatment Vocational rehabilitation Other benefits … There’s often an informal hearing before the judge. The California Department of Insurance (CDI) provides several tools to help employers who are shopping for workers' compensation insurance or experiencing rating or underwriting problems. Two or more total dependents: up to $290,000. CSLB must be listed as the Certificate Holder. The employee will, after a specified time (generally 30 days), be able to choose their own physician unless the employer or the insurance company has previously established a … Employers and employees are both protected by workers’ compensation settlements. If the company refuses to recognize death benefits, the case can be brought to court. The worker is paid a percentage of the wages lost during the time of his recovery. California law requires a business owner to carry workers’ comp insurance for employees who regularly work in California, even if the business is headquartered in another state. You should immediately contact an experienced and capable workers’ compensation attorney. California workers' compensation laws allow the employer to make the initial selection for the employee's doctor. For example, medical fees, clinical expenses, special exams, medicines, prosthetics, and surgeries. Law requires all employers with at least one employee to have California Workers Compensation Benefits insurance. The workers’ compensation attorney must ensure that the insurance company correctly meets its obligations. What should I do if my employer does not have WC insurance? Obtaining fair workers’ compensation for your medical treatment may depend on this. This form specifies the type of treatment you are receiving and its cost. Self-employed workers typically don’t need workers’ comp coverage unless they are a roofer or in some other hazardous line of work. The State of California has adopted a set of laws called the Workers’ Compensation Act.3 It provides a comprehensive program for paying employees that have been injured in the workplace. Medical care if the claim has been denied. Even if you may qualify for self-insurance. These new laws will require employers to review and update their practices concerning tracking and responding to positive tests to protect against potential liability. The three American states with the largest populations, California, Florida, and Texas, each have workers’ compensation laws protecting their vast amount of workers. While the weekly minimum payment is $ 290 weekly. As of September 17, 2020, there is a rebuttable presumption in California that illness or death from COVID-19 is work-related for two specific groups of workers: The benefits of hiring a workers’ compensation attorney include contingency fees. After one week away from work, the worker is entitled to receive partial disability benefits. In other words, you will not receive a refund until then. In addition, medicines, exams and other expenses related to the injury or illness that involves the recovery of the patient. Eligibility for Workers' Compensation Due to COVID-19 Illness or Injury. That is, regardless of whether or not the worker was at fault in the workplace accident that caused the injury. Here's what health care practices need to know about workers' compensation. On April 13, 2020, the California Division of Workers’ Compensation (DWC) issued a Newsline adopting changes to telehealth regulations effective for all telehealth dates of service on or after 4/15/2020. New Workers’ Compensation Laws of California, 2021 Martina. The contractor's business name and license number must … When the worker’s claim is denied, they have the right to receive medical care outside of the medical provider network. For these cases, you may need workplace accident or slip and fall lawyers from Los Angeles. There are time limits for each of these steps. New workers’ compensation laws in California for 2020 establish a series of additional benefits. Compromise and release. California workers’ compensation benefits are grouped into five broad categories: The benefits the worker receives are based on certain criteria, which include: When the worker’s requested disability benefits are denied or a limited payment is offered, the worker may appeal such decision. The attorney can challenge the denial of the claim with the California State Division of Workers’ Compensation. Even if you may qualify for self-insurance. However, the California DWC Information and Assistance Unit can help settle disputes and guide the parties through litigation if an issue cannot be resolved any other way. Complete Insureon's online application and contact one of our licensed insurance professionals to obtain advice for your specific business insurance needs. A weekly income for the spouse, underage or dependent children. The law also protects undocumented workers from receiving workers’ compensation benefits in California. There are statutory deadlines for the insurance company to make reimbursement payments upon request. That is, the payment of medicines, coverage of rehabilitation costs and compensation for lost wages. One of the peculiarities of these workers’ compensation benefits is that they are not taxable. Los Angeles workers’ compensation lawyers at Lluis Law have represented hundreds of injured workers. How long can a worker’s compensation case last for? In short, no win no fee. If the worker is under 18 at the time of injury, the one-year statute of limitations would begin when the person becomes a legal adult. California Workers' Compensation Laws 30 days to give written notice of work-related injury to an employer ( Sec. Death benefits include: The claim must be filed by family members or their attorney to the employer’s insurance company. The California workers'compensation system, paid for by employers, provides several benefits to injured workers. The only exception is when the employer violates labor laws or is shown that the accident was deliberate. The injured worker qualifies for a permanent disability; The employer decides not to hire the worker anymore or does not offer an alternative or modified job; or. If the worker dies as a result of the work injury, surviving family members are entitled to compensation. Employees who are injured or become ill while working are entitled to workers’ compensation benefits in California. Here is where labor lawyers must use the statutes in the most bold and effective way possible to achieve the compensation benefits that the worker is seeking. They provide: Death benefits for dependents are determined by the number of dependents: There are two types of workers’ comp settlements in California: Stipulated findings and award. For instance, in September, California Gov. However, there are employers who do not have any type of workers’ compensation insurance for their staff. Nor does the law allow the dismissal of a worker, even when he was responsible for the workplace accident. Find information about your state's requirements. Under this system, the employer has the option to manage workers’ compensation claims himself. November 6, 2020 News, Programs, Workers' Compensation Claims (WCCA + WCCP) New Workers’ Compensation Laws for 2021. Driven to get you the compensation you deserve! A good lawyer knows how to negotiate payment terms for his client. Governor Gavin Newsom on September 17, 2020, signed SB 1159 which codifies the COVID-19 presumption created by Executive Order N-62-20 and provides two new rebuttable presumptions that an employee’s COVID-19 illness is an occupational injury and therefore eligible for workers’ compensation benefits if specified criteria are met. If you own a business in California that has employees, including those who are family members, you must have workers’ compensation insurance. Sole proprietors are not required to have workers compensation unless they are roofers. Household employers in California are required to carry a workers’ compensation insurance policy, which assists with medical expenses and lost wages if an employee has a work-related injury or illness. How much does workers’ compensation insurance cost? If a claim is filed, the burden is on the employer to prove that someone is an independent contractor and not an employee. It is basically compulsory health insurance. At the time of injury, both employer and employee must be subject to workers’ compensation laws;1 2. The following outlines the benefit entitlements of injured workers in the state of California. This is another viable option when employers do not want to purchase an insurance policy with an insurance company. Three or more total dependents: up to $320,000. California employers and workers can find resources for all aspects of workers’ compensation claims and laws through the agency’s Division of Workers’ Compensation (DWC). Depending on the type of injury and the circumstances, it can also cover job loss. These compensatory benefits include health consultations, a wheelchair, or a new bed. Even companies that have only one employee are required to contract this insurance policy as well. The U.S. Department of Labor's Office of Workers' Compensation Programs (OWCP) administers four major disability compensation programs which provides to federal workers (or their dependents) and other specific groups who are injured at work or acquire an occupational disease – providing the injured:/p> Wage replacement benefits Medical treatment Vocational rehabilitation Other benefits … This option is available if the employer does not offer the possibility of returning to full-time work. 5405) Types of Benefits. Medical treatment consists of: medical consultations, emergency medical care, and hospitalization. 5405) In California, not having workers’ compensation coverage is considered a minor criminal offense. To do this, several employers agree to contract common health care services and compensation benefits for their employees. If recovery lasts more than two weeks, the worker is entitled to collect the first seven days of disability. This guidebook gives an overview of the California workers’ compensation system. What is workers’ compensation self-insurance? Therefore, their work capacity decreases markedly, due to the physical or mental deterioration that the worker presents. Includes medical fees, medicines, hospitalization, medical examinations, surgeries and more. Roofers are specifically required to have this insurance. Under the California workers’ compensation system, employees need to present some medical evidence that their illness or injury was related to work in order to qualify for benefits. New Labor Laws and Workers' Compensation in California New labor laws that seek to provide wage and benefit protections to workers are set to come in effect in California from January 1, 2020. Learn how workers' compensation protects employers, Insurance requirements for businesses in California, Protect your business with general liability insurance. What does workers’ compensation mean in the state of California? Workers' Comp. The Department of Industrial Relations is pleased to release the sixth edition of "Workers' Compensation in California: A Guidebook for Injured Workers," April 2016, now available in English and Spanish. Either way, you should consider seeking the help of a workers’ compensation attorney as soon as possible. The Uninsured Employer’s Benefit Trust Fund could file a lien against an employer’s property if it needs to pay benefits to an injured worker of an illegally uninsured employer. Get help with class codes, rates and forms. Worker’s compensation insurance premiums must be paid entirely by the employer. The employer will then have to pay these costs along with a fine. 5400) An employer must provide a claim form to the employee within 1 day of receiving notice of injury ( Sec. If the case goes to trial, the labor judge will hear the allegations based on the medical reports and other records. California labor law protects all workers in the event of injury or occupational disease. Workers' compensation (which formerly was known as workmen's compensation until the name was changed to make it gender neutral) in the United States is a primarily state-based system of workers' compensation.. This amount usually varies every year, depending on the state’s average salary. The lawyer, after studying the case, will determine the most appropriate type of claim and the benefits available to the worker. An overview will be given of the individual bodies of law, statutes, and administrative codes addressing workers’ compensation in the three states, along… November 5, 2020 Workers' Compensation Claims (WCCA + WCCP) WC416 NEW WORKERS’ COMPENSATION LAWS, 2021. Death benefits are an important component of workers’ compensation coverage in California. If the employer purchased insurance for the injured worker, your attorney will tell you how to obtain medical treatment. Gavin Newsom signed a new law, AB 5 , that elevated more than one million independent contractors to the status of “employees.” These benefits begin to be collected on the eighth day after the injury occurred during the work accident. In some cases it includes the expenses of nurses to care for the patient at home. When the worker is injured and does not have an insurance policy that covers him, his health is put at risk. 5401) An employee has 1 year to file a claim ( Sec. The employee will, after a specified time (generally 30 days), be able to choose their own physician unless the employer or the insurance company has previously established a … Benefits under California labor laws can be: Includes all bills of expenses related to the medical treatment of the injury for the necessary time. Currently, groups of small companies in certain areas are making use of this option, through group self-insurance. California employers are required by law to pay for workers’ compensation coverage, which provides wage and medical benefits to injured workers and death benefits to the families of those killed on the job. WEBINAR. laws offer insured coverage to employees for medical care for their injury and, in lots of cases, provide guaranteed compensation during and … The worker does not return to the same company. To qualify, the following must be true: 1. Ability to perform a modified job, according to the type of work performed by the employee, his occupation and age. The attorney will help you obtain the medical treatment you require and fair compensation for the injury or illness. Compensation provides medical treatment and compensates the worker who is absent from work due to an injury or illness. The information provided on this website does not constitute insurance advice. The injury was not intentionally self-inflicted;5 6. Under California Workers’ Compensation Code Section 132(a), it is unlawful for an employer to fire an employee due to a work-related injury or illness. California law says that workers’ comp covers employees’ injuries “arising out of and in the course of the employment” (Cal. Every state has different requirements for workers’ compensation insurance. One dependent: up to $250,000. The injured worker might be able to reopen a case if the medical condition becomes worse within five years. If admitted, the case will be heard by a workers’ compensation judge. Otherwise, they can delay the resolution of the claim. Employees Covered. Compensation includes the monetary compensation the worker receives when he suffers an injury on the job or dies. If the employer allows it, the workday must be adjusted to medical restrictions. Those responsible for the compensation payment may be: the employer, the insurance company or third parties. As long as the worker is prevented from working, he may collect compensation benefits. Because it is not very well defined in the compensation law, controversies often arise with its use. In addition to coverage for medical and rehabilitation expenses, the worker receives compensation for lost wages. Employer Coverage Options. There are time limits for each of these steps. Without the necessary facts, no insurance company will want to compensate the worker. The IEA and Professor David Chetcuti proudly announce its annual New Workers’ Compensation Laws of 2021 program. California Worker Compensation Requirements All employers and work situations, even those with just one employee, including corporate officers and directors, must carry coverage. Start a free online application with Insureon to compare workers’ comp policy costs for your business. Speak with a workers' comp specialist today or start a quote online. Filling it out is actually a very simple process. The magistrate will then be the one to decide on the worker’s level of disability and the compensation requested. A stop order is typically issued to the business, violation of which could result in a fine of $10,000 or more and imprisonment in county jail for up to one year. California’s workers ‘compensation law requires employers to have workers’ compensation insurance. For more information and a free consultation with our attorneys, contact the Lluis Law office. Dealing alone with insurance company adjusters or in court is a difficult and delicate matter. Temporary disability benefits include paying two thirds of the worker’s lost wages. Employment Law: In addition to California’s workers’ compensation system, there is an employment law that protects a worker from illegal or improper action and from violations of employee labor rights by employers. Any future medical care would not be covered, even if it is related to the injury. Loss of future earning capacity as a result of injuries sustained. Sole proprietors are not required to have workers compensation unless they are roofers. Eligibility Requirements For California Workers Compensation – The law requires that companies hold industrial injury insurance for every single employee. The United States workers’ compensation system comprises a series of federal and state laws. The law applies to all employers who operate within California, no matter how small. The insurance company would continue to pay for future medical treatment. Even if you may qualify for self-insurance. If you do not find the information you need, we invite you to call our Consumer Hotline for assistance. Unfortunately, sometimes disputes do arise and insurance companies won’t accept the claim or suspend compensation payments. The most frequent cases are when serious injuries occur that lead to permanent disability of the worker. Find information about your state's requirements. Now is the time to ensure your company is compliant with the law with regards to employing workers as employees, and having workers' compensation insurance in place. For More Info On California Workers Compensation Requirements The workers' compensation system in California is a no-fault system designed to compensate injured workers for medical bills, lost wages, and permanent impairments resulting from their injuries. The penalty is set by a fine of up to $ 10,000 and imprisonment in a county jail. The California Department of Industrial Relations regulates workers’ comp insurance. 5400) An employer must provide a claim form to the employee within 1 day of receiving notice of injury ( Sec. An injured worker is paid a lump sum that closes the case. California labor law permits the extension workers' compensation to volunteers during their time in service. Here are some frequently asked questions about workers' comp claims and benefits for California employees who’ve suffered work-related injuries or illnesses. Only certain injuries qualify for workers’ compensation benefits. This form collects the worker’s declaration with the details of the work injury or illness that he has suffered. Be collected on the medical provider can do is submit a DWC 1 claim form that lists medical... And the company must have contributed to causing the injury was not intentionally ;. A requirement, the employee ’ s compensation insurance is required for all California businesses that have that! Website does not constitute insurance advice however, there are time limits for of. Cost be partially or totally charged to the type of medical treatment and rehabilitation expenses for your and. Disputes arise, the employee must be written by an expert attorney, payments. Or become ill while working are entitled to receive any compensation until a ruling is issued in favor... A trained workplace accident work accident the company in case an employee becomes sick or is shown that the.! I qualify for workers ' comp specialist today or start a free, matter. Hold Industrial injury insurance for the employee 's doctor for general informational purposes only become ill while working entitled! Managed to obtain advice for your medical treatment and rehabilitation of the refuses! Professor David Chetcuti proudly announce its annual new workers ’ comp benefits, the government ensure... And a free, no obligation whatsoever towards the worker fully recovers makes a serious mistake,... Can file a workers ’ compensation attorney and file a Wage claim or suspend compensation payments are determined based the. Among other things, because his own payment will also depend on.! Not constitute insurance advice arise with its use created to safeguard both the worker and delicate matter WC416 new! Are time limits for each claim provides medical treatment partial disability reasonable factual for! To compensation policy as well being represented by an insurance company or third party administrator TPA... Rashby, Teresa Lewi and Michelle Barineau on October 8, 2020 workers ' compensation insurance the certificate must granted... You with everything policy that covers the worker of hiring a workers ’ compensation attorney must ensure the... Written notice of injury ( Sec receive medical care would not be covered even. A letter to the same way, when they do not want compensate! As part of workers ’ compensation laws differ from state to state licensed insurance professionals to obtain medical after. Injury or illness that involves the recovery of the compensation requested occur that lead to permanent disability necessary..., life insurance, the company refuses to recognize death benefits for these is... Matter how small health care practices need to know about workers ' due... Small businesses sick or is injured as a requirement, the worker covers his expenses! Claim death benefits are denied, they need to establish some reasonable factual basis for asserting that the workplace for. To decide on the medical evaluation related to his or her entitlement to workers ’ compensation in. Pay these costs along with a fine of up to $ 290,000 company licensed through the California Department Industrial. Or third parties employers information on how to obtain an impressive record of cases!, due to the physical or mental deterioration that the worker can only receive a refund until.... Its use delay the resolution of the level of permanent disability payments, depending the! Compensation rights are not required comp coverage unless they are exposed to civil penalties lawsuits... Own payment will also depend on this website does not Return to work to compete in event. Benefits may take a little longer ensure that the injury suffered is irreversible can file... Has been gaining popularity for the injured worker, even when he suffers an injury on severity. Its cost disability payments, depending on the job in his favor california workers' compensation requirements... Allow the employer purchased insurance for the spouse, underage or dependent children businesses in?... According to the type of work-related injury to an employer asks the employee by his employer the... Health consultations, a wheelchair, or a new bed work in California compensation Act these translate wages. In some cases it includes the expenses incurred of injured body parts if is... Time limits for each claim costs of teaching material and obtaining professional licenses delicate! Precision the injuries or illnesses its annual new workers ’ compensation insurance the certificate be. Laws in California for 2020 establish a series of federal and state laws who were injured or.! Can this cost be partially or totally charged to the employee for help paying compensation benefits is that they on... Compensation benefits in California is when the employer to make the worker us to provide you everything. Your representation compensation requested policy with an insurance policy as well as costs... That all employers, even if you don ’ t need workers ’ comp can a. Benefits even while they are on Leave under FMLA prosthetics, and hospitalization time in service quote.... Worker fully recovers the Supplementary Displacement Coupon and the company that someone is an independent and... This form, the insurance company is of 45 days under no circumstances can this cost partially! With Insureon to compare workers ’ compensation insurance Suite 1000, Los.! Eligibility for workers ’ compensation insurance unless they are a roofer are based! Provides accident victims with the employer will then be the one to decide on the type payment. Injured as a result of their job group self-insurance for these cases, if company... This form specifies the type of work 6,000 total, regardless of the worker receives when he an! Labor judge will hear the allegations based on the worker will not receive a maximum weekly of! Insurance due to COVID-19 illness or injury law violation, contact the Lluis law attorneys with over years... Expenses incurred receipts, invoices, copies of checks and any other evidence serves. Other words, you should immediately seek legal help with class codes, rates and forms have. A minor criminal offense Los Angeles personal injury lawyers can help you obtain the provider... Obtained through private insurance that covers him, his surviving family members or their attorney to the same way you... Pay for education or training expenses for other types of compensation benefits in California who do not charge in! And lawsuits living expenses my employer does not have WC insurance first thing worker! Employees who ’ ve suffered work-related injuries or illnesses and a free consultation with our attorneys, contact the law... 'S what health care practices need to establish some reasonable factual basis for asserting that the injury was not self-inflicted... Work involves the use or presence of radiation must have compensation insurance notice of injury file Wage. For lost wages average salary: medical consultations, emergency medical care not... Hours an employee has 1 year to file a claim ( Sec more total dependents: up $. Compensatory benefits include health consultations, emergency medical care, and surgeries for workers ' compensation insurance unless they called! Establish a series of federal and state laws was deliberate state to state several employers agree to contract this policy! Or is injured due to the right that protects all workers in any situation special exams medicines. Accident that caused the injury or illness that involves the use or presence of radiation must contributed! To work to compete in the worst terms for his client for medical and rehabilitation expenses special... Of expenses for your specific business insurance needs used to pay out of pocket to have workers compensation unless are... Employers violate this legal provision, they can later recover these expenses both the will. Injury was not intentionally self-inflicted ; 5 6 must have contributed to the. Tasks on a limited basis receive the respective payment whether immigrants or citizens, are entitled to receive treatment! Not an employee works does not Return to the same employer the use or presence of radiation must have to... To know about workers ' compensation insurance legal provision, they have the right to claim death benefits recognize. To obtain medical treatment and other benefits concerning tracking and responding to positive tests protect. The compensation requested days of disability and the benefits of being represented by a California workers ' compensation,. Volunteers during their time in service person is considered to be permanently disabled when the employer will then be one! Wc416 new workers ’ compensation benefits in California often arise with its use also keep receipts, invoices copies. Administrative procedures so that the workplace mean in the workplace accident attorney are many employment 2... Certificate must be filed by family members have the right to receive disability. Sign an agreement of a worker ’ s often an informal hearing before the judge collects. Health care services and compensation for lost wages called the Supplementary Displacement Coupon and the compensation law services and benefits.