Product Update

Updated State Law, Benefit Summaries, and Self-Insurance Requirements in IRMI Workers Comp

This release of IRMI Workers Comp contains updated state law and benefit summaries, and updated state self-insurance requirement profiles.

The overview of state workers compensation laws and the state law summaries for all 51 jurisdictions have now been updated to reflect the changes made by the 2020 legislative sessions. A major topic for the sessions and one that will be popular in 2021 was COVID-19 compensability. About a third of the jurisdictions approved some sort of COVID-19 compensability legislation mostly geared at providing coverage for healthcare and essential workers and first responders. A couple of other trending legislative initiatives included expanding benefits for first responders and addressing their post-traumatic stress disorder claims and quantifying the qualifications of independent contractors under act provisions. A synopsis of the major statutory changes resulting from the 2020 state legislative sessions by jurisdiction has been provided in the release.

Updated state benefit summaries are included for AlaskaDistrict of ColumbiaMichiganMississippiNorth CarolinaPennsylvania, and South Carolina.

It is crucial when considering a multistate workers compensation self-insurance program to review the requirements of the states involved. The financial and administrative requirements are quite varied from state to state. The state-specific requirements for both individual and group self-insurance have been updated and address the following topics in each jurisdiction.

  • Forms that must be filed
  • Security requirements
  • Taxes, assessments, and fees
  • Excess insurance requirements
  • Required reports
  • Length of the self-insurance term
  • Is self-insurance replacement allowed
  • Special provisions or other requirements of the state