insult to injuryPress Democrat Online

California benefits

California employers provide five basic benefits for injured workers. Here are the estimated costs for the 936,000 claims filed against 1994 policies, the most recent information available.

MEDICAL CARE

Claims filed: 936,000

Average benefit: $2,550

TEMPORARY DISABILITY

Two-thirds of salary while off work, but not more than $490 a week.

Claims filed: 175,000

Average benefit: $1,161

PERMANENT DISABILITY

Two-thirds of salary to compensate for any permanent damage, even if person can go back to work. Can be paid weekly for a finite period of time, up to $230 a week, or in a lump-sum settlement.

Claims filed: 105,000 workers disabled less than 25 percent, average benefit: $10,965

20,300 workers disabled 25 to 99.75 percent, average benefit: $40,282

200 workers disabled 100 percent, average benefit: $289,000.

(Includes temporary disability received by these workers and any settlement received in place of future medical care)

VOCATIONAL REHABILITATION

Up to $16,000 toward retraining, if needed

Claims filed: 40,000

Average benefit: $7,218

DEATH BENEFIT

Up to $160,000 for dependents if the worker is killed

Claims filed: 575.

Average benefit: $116,000.

Source: Workers Compensation Insurance Rating Bureau, adjusted to include self-insured employers which are thought to be about one-third of the industry

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