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Your employer pays the premiums, but the policy covers you and your fellow workers. You will notify your employer of any on-the-job injury or occupational disease you suffer. The employer starts the claim process by notifying its insurer. Insurers pay two types of benefits upon accepting the claim.
C-3 Form: Injured Workers Compensation Forms.
Are there any exemptions? Sole proprietors with no employees are the only exemption under Virginia law, but the state does not provide a waiver or exemption form for sole proprietors, who are free to voluntarily obtain workers compensation insurance if they choose.
Employees who suffer on-the-job injuries and diseases may be eligible for benefits under the Virginia Workers Compensation Act. If injured, you should (1) report your injury to your employer immediately; and (2) file a claim with the Commission no later than two years after the accident.
Under Virginias Workers Compensation Act, employers must provide workers comp to their legally hired employees, but they are not required to cover contractors.
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1 Q: Am I required to obtain workers compensation insurance? A: Virginia law requires that an employer who regularly employs more than two part-time or full-time employees carry workers compensation.
In that case, you may qualify for time-loss compensation due to the fact that youre temporarily unable to return to work. Typically, the workers comp system in most states offers 66% of your wages. Depending on the state, you may receive your salary benefits weekly, bi-weekly, or once a month.

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