www.injuredworkerguide.com/ is an independent website that explains workers' compensation in plain English. We help injured workers understand their benefits, deadlines and options, and we help small business owners understand their coverage obligations.
Why We Started This Site
Getting hurt at work is stressful enough without trying to decode insurance letters, benefit formulas and legal deadlines. Much of the information online is written to generate leads for law firms or insurers. We wanted a clear, neutral resource that explains how the system works so readers can ask better questions and make informed decisions.
What We Cover
- Workers’ comp basics – key terms such as TTD and PPD, adjusters and how workers’ comp compares with disability insurance
- Benefits and payments – how much workers’ comp pays, how benefits are calculated, taxes and payment timing
- Claims and settlements – filing deadlines, denials, hearings, mediation and settlements
- Employers and coverage – who needs coverage, what it costs and how premiums and certificates work
How We Create Our Content
- Official sources first. We rely on public sources such as the U.S. Department of Labor, the IRS, the Social Security Administration and state workers’ compensation agencies, and we list sources at the end of each article.
- State differences made clear. Workers’ comp is governed by state law, so we use state examples and point readers to their own state agency.
- Worked examples. We show the math behind benefits, settlements and premiums using clearly labeled illustrations.
- Regular review. We update articles when laws or official guidance change or when readers point out something that could be clearer.
Our Independence
Injured Worker Guide is not a law firm, insurance company or government agency, and we don’t sell legal or insurance services. We don’t refer readers to specific lawyers or insurers for payment. The site is supported by advertising, and advertisers have no influence over what we write.
Important Note
Our articles are for general information only and are not legal, medical, tax or insurance advice. Workers’ compensation rules vary by state and depend on the facts of each case. Contact your state workers’ compensation agency or a licensed attorney for advice about your situation.
Get in Touch
Have a question, a correction, or a topic you’d like us to cover? Visit our Contact page or email us at [email protected].
— The Injured Worker Guide Team