Workers' Compensation Program

Under California law, an employer is legally obligated to provide benefits to its employees for injuries that arise out of, and in the course of, employment. Employers may choose coverage for workers’ compensation from the commercial insurance market or elect to self-insure for this exposure. As public agencies, VIPJPA members have elected to self-insure and share their workers’ compensation coverage and risks in a pooling environment.

The Workers’ Compensation Fund was established on July 1, 1987, to account for the self-insured and excess coverage for workers’ compensation claims. The program year runs from July 1 to June 30.

The VIPJPA’s insurance coverages, deductibles, and self-insured retentions (SIR) are as follows for the Workers’ Compensation Fund:

District Deductible:
$0
JPA SIR:
$0
Excess Insurance Purchased:
$100,000,000 limits with Safety National Casualty Co.
As part of their Workers’ Compensation Program, VIPJPA implemented Structured Return-to-Work in an effort to curtail the cost of lost time and assist in the timely reporting of claims. Company Nurse provides VIPJPA employees with telephone access to Registered Nurses and medical professionals for prompt reporting of on–the-job injuries. Services include:
  • Self-care advice and assistance
  • Comprehensive injury intake
  • Medical referral to designated medical facilities
  • Prompt reporting to key personnel and medical providers
  • Data base of essential job functions and transitional duty assignments
Upon notice of potential lost time, the VIPJPA Return-to-Work coordinator works with the member districts to match a previously created transitional duty assignment to the work-restrictions to facilitate early return-to-work.

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