Glossary of Workers'
Compensation Law Terms
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Carve-out: Carve-out programs
allow employers and unions to create their own alternatives for workers'
compensation benefit delivery and dispute resolution under a collective
Claim form: The form used to report a work injury or illness to your
employer. The form is filed out and turned in at your place of business.
Claims administrator: The term for insurance companies and others that
handle your workers' compensation claim. Most claims administrators work for
insurance companies or third party administrators handling claims for employers.
Some claims administrators work directly for large employers that handle their
Commutation: An order by a workers' compensation judge for a lump sum
payment of part or all of your permanent disability award.
Cumulative injury: An injury that was caused by repeated events at work.