Injured-on-Duty Program

Injured-on-Duty Program

In Rhode Island, public safety employees are exempt from the provisions of the Workers' Compensation Act. To assist municipal Members with this complexity, The Trust provides a public safety employee injured-on-duty management and insurance program as an automatic coverage enhancement. The program provides wage replacement for public safety employees such as police officers and firefighters injured in catastrophic situations as well as case management and legal representation, if necessary. No other insurer in Rhode Island provides this type of service as part of its basic Workers' Compensation insurance coverage. The Trust's Injured-on-Duty Program offers four distinct benefits that are unmatched by private insurance carriers:

  • Claims management in this highly specialized area
  • Aggressive subrogation and legal defense
  • Catastrophic wage reimbursement
  • Free pre-placement employment physicals to ensure new hires are fit for active duty 

 

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