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Workers' Compensation Summary - Indiana

The Worker's Compensation Board is responsible for administering the Workers' Compensation program in Indiana. The following brief summary is intended to provide a general overview of Workers' Compensation coverage and benefits in Indiana. See the separate topic for help with acronyms. For further information contact your local or state Workers' Compensation Program office. This information is based on data provided by the U.S. Department of Labor and updated by the Worker's Compensation Board, and is believed current as of January 2010.

Benefit rates normally change annually on July 1 of each year. Rates discussed below are effective from July 1, 2009 to June 30, 2010.

Type of Law and Insurance Requirements

In Indiana, workers' compensation is compulsory, and no waivers are permitted. There is no state fund. Employers may insure through private carriers or self-insurance, but not through groups of employers. There is no exemption for employers with small numbers of employees.

Coverage of Agricultural Workers

Employers may secure coverage voluntarily, even though no statutory provisions are prescribed.

Coverage of Domestic Employees

Employers are permitted to provide voluntary coverage.

Medical Benefits

Full medical benefits are provided with no time or monetary limitations.

Benefits for Temporary Total Disability (TTD)

The percentage of worker's wage paid is 66 2/3. For weekly payments, the minimum is $50 or worker's average wage, if less, and the maximum is $650. The maximum period of payments is 500 weeks. The total maximum amount payable is $325,000.

Benefits for Permanent Total Disability (PTD)

The percentage of worker's wage paid is 66 2/3. For weekly payments, the minimum is $50 or worker's average wage, if less, and the maximum is $650. The maximum period of payments is 500 weeks. The total maximum amount payable is $325,000. Thereafter, a claimant may receive payments indefinitely, payable from a special fund.

Benefits for Permanent Partial Disability (PPD)

The percentage of worker's wage paid is 66 2/3. For weekly payments, the minimum is payable but not statutorily prescribed, and the maximum is $650. For non-scheduled injuries, there is no maximum period of payments and no maximum payment amount. The amount of compensation for PPD is determined by multiplying a percentage of the worker's wage by the degree of permanent impairment.

Disfigurement Benefits

Indiana law covers disfigurements that are "Permanent, which may impair the future usefulness or opportunities of the employee". Benefits are at the discretion of the Industrial Board, except where benefits are payable elsewhere, and are payable for a maximum of 200 weeks.

Contact Information

Worker's Compensation Board of Indiana
402 West Washington Street Room W-196
Indianapolis, Indiana 46204

Phone: (317) 232-3811
Toll-free: 1-800-824-COMP
Ombudsman: (317) 232-5922

Internet: http://www.in.gov/workcomp/

Additional Information

Indiana Worker's Compensation Statutes - Indiana Code Title 22, Article 3 is available online at:
http://www.in.gov/legislative/ic/code/title22/ar3/

Indiana Administrative Code - Title 631 Worker's Compensation Board Of Indiana is available online at:
http://www.in.gov/legislative/iac/title631.html

Other State's Summaries

Curious about the Workers' Compensation program in another state? Want to see a summary like this one? Click here to select another state's summary.

Source

Some information for this topic was drawn from:
http://www.in.gov/workcomp/
http://www.in.gov/wcb/handbook/HANDBK2007.htm

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