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All West Virginia employers are statutorily required to maintain workers' compensation insurance coverage. Visit the West Virginia Offices of the Insurance Commissioner Employer Coverage Unit online to file workers' compensation.
Maximum period of payments is 104 weeks. Note: West Virginia Workers Comp Division established guides for disability periods who are on TTD.
West Virginia has moved from being the sole monopolistic carrier to a competitive market with 275 carriers offering workers' compensation insurance to the state's employers. In addition to lower premium rates, other factors have contributed to reducing costs in the state's workers' comp program.
Typically, there are four basic eligibility requirements for workers' comp benefits: You must be an employee. Your employer must carry workers' comp insurance. You must have a work-related injury or illness. You must meet your state's deadlines for reporting the injury and filing a workers' comp claim.
To make up for missed wages, an employee with a work-related injury or illness is eligible to receive up to two-thirds of their pre-injury average weekly earnings. Temporary total disability benefits begin after they can't work for more than three consecutive calendar days.
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Permanent and total disability benefits are two-thirds of your average weekly wage, subject to the same maximum as temporary total disability benefits ($957.40 per week starting July 1, 2022). Payments can last up until the employee becomes eligible for Social Security retirement benefits.
I had an accident at work. How do I file a workers compensation claim in my state? If you are injured while on the job, you should 1) seek the appropriate medical care necessary; 2) provide written notice to your employer as soon as possible, if not immediately; and 3) file a workers' compensation claim.
How much does workers' compensation insurance cost in West Virginia? Estimated employer rates for workers' compensation in West Virginia are $1.52 per $100 in covered payroll.
NCCI provides Proof of Coverage (POC) data to the West Virginia Offices of the Insurance Commissioner (OIC). Please refer to the Proof of Coverage State Guide for additional details about NCCI's POC service in West Virginia. NCCI is the Residual Market Plan Administrator for West Virginia.
Claims Must Be Filed Within Six Months. West Virginia requires injured workers to file an application for benefits within six months of the date of injury. Do not allow yourself or your loved one to miss out on valuable financial help to replace lost wages, cover medical expenses, and more.

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