Workers’ Compensation

Workers' Compensation coverage through The Trust complies fully with Rhode Island State law and encompasses far more than just the payment of claims and wage reimbursement for injured employees. The Trust offers Members incomparable administrative convenience and public sector expertise in the processing, handling and the prevention of workplace injuries and resulting losses.

Expert Claims Management Services

The Trust takes full responsibility for the cost of all losses such as payments to medical providers for examinations, medical treatments, hospital stays, surgery, rehabilitation services, and other types of workers’ compensation losses that might be sustained – as well as the cost of lost wages (indemnity payments) to injured employees.

Value-Added Benefits

Value-added, no-cost benefits include surveillance, the cost of necessary independent medical examinations needed for proceedings before the Workers’ Compensation Court or as part of on-going evaluation of the employee’s disability, attorneys fees for the defense of actions and associated liability and the handling of matters before the Workers’ Compensation Court (or other tribunals), and the cost of expert opinions and payments for witness expenses should the matter be contested.

Value-Added Benefits

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 unique public safety employee injured-on-duty management and insurance program as an automatic coverage enhancement. No other insurer in Rhode Island provides this type of service as part of its basic Workers’ Compensation insurance coverage. This unique program provides wage replacement for police officer and fire fighters injured in catastrophic situations as well as case management, aggressive subrogation, pre-employment physicals and legal representation, if necessary.

Return to Work

As part of any employer’s solid risk management strategy, The Trust encourages all Workers’ Compensation Members to develop a written Return-to-Work Program for injured employees. The primary function of such program is to provide temporary job accommodations that allow injured or disabled employees to return to the workplace as soon as possible after a work-related injury or illness. This usually happens under physician-ordered working conditions known as “work restrictions” – which typically means that employees have the ability to return to work, but can only perform light, modified or transitional duties until they are well enough to perform their former job functions at full capacity.

Pre-Placement Physicals

Pre-Placement Physicals help Members assess baseline medical conditions that may affect a potential new employee’s ability to safely perform their written job duties and determine if they can perform the essential physical functions of the job. The Trust covers the cost of these exams for positions categorized as “high-risk”.