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The State of California Labor Code requires all employers to provide
Workers' Compensation benefits for their employees. The fairs' Workers'
Compensation Program is described in detail in the "Memorandum Stating
the Terms and Conditions of the Workers' Compensation Risk Sharing
Program Administered by CFSA." You'll find a copy online as well as in your fair's
Red Book (Claims and Loss Reporting Guide) under Workers'
Compensation, Tab 9.
Note: To access the online copy you need Adobe Acrobat Reader on your computer. If you don't already have it, download it for free from the Adobe Web site: www.adobe.com/products/acrobat/readstep2.html.
If you have questions regarding the Workers' Compensation Program,
please contact Patti
Nevin.
Protection highlights:
- California
Fair Services Authority's (CFSA's) risk sharing program provides
primary protection of up
to our self-insured retention per occurrence for every claim of
occupational injury, illness and disease under the Workers' Compensation
and Employer's Liability Coverage.
- CFSA
carries an excess policy that pays claims in excess of our self-insured
retention per occurrence, up to $25,000,000 per accident for workers'
compensation and up to $5,000,000 per accident for Employer's
Liability.
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All employees are covered, including volunteers
who work for no compensation if the fair board has passed a resolution
so stating and if volunteer hours are reported to CFSA.
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Protection for community service workers
is provided if their hours are reported to CFSA.
- Protection
pays for all medical costs for occupational illness, injury or
disease caused by or aggravated by conditions of employment.
- Protection
pays temporary disability benefits while employee recovers from
job-related occupational injury, illness or disease.
- Protection
pays permanent disability benefits based on the degree of permanent
disability.
- Protection
pays rehabilitation costs if an employee is unable to return to
usual and customary employment up to $16,000 per employee for
injuries after July 1, 1994 and before December 31, 2003. Note: Effective January 1, 2004, this has been replaced by a Job Displacement Voucher system.
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Protection pays dependent death benefits if an employee dies as
a result of occupational injury, illness or disease caused by
employment.
- All
classes of benefits are set by statute; changes occur from time
to time through the legislative process.
- There
are penalties imposed on employers by the Labor Code for serious
and willful misconduct, willful negligence and unsafe working
conditions in addition to discrimination against injured workers
(Labor Code section 132A) that are not covered by this program.
Coverage for defense of these allegations is included, however,
the payment of any award for penalties is the fair's responsibility.
Neither CFSA's Program nor the excess policy pays these penalties.
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Employer's Liability is included under the Program to provide
defense and/or payment should an employer be found negligent in
a compensable injury.
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Fees for coverage are based on payroll with modification based
on a fair's loss history.
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