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The Department of Labor & Workforce Development, Workers' Compensation Division is responsible for administering Workers' Compensation in Tennessee. The following brief summary is intended to provide a general overview of Workers' Compensation coverage and benefits in Tennessee. 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 originally provided by the U.S. Department of Labor and updated by the Workers' Compensation Division, and is believed current as of January 2011.
In Tennessee, compensation benefits are adjusted annually, and changes become effective July 1 of each year. The rates shown below are in effect from July 1, 2010 to June 30, 2011.
In Tennessee, workers' compensation is compulsory, and some waivers are permitted. There is no state fund. Employers may insure through private carriers, self-insurance, or through groups of employers. There is an exemption for employers with fewer than 5 employees, but all subcontractors and anyone engaged in the construction industry is required to carry workers' compensation insurance, even if they have five employees or less.
Employers may secure coverage voluntarily, even though no statutory provisions are prescribed.
Employers are permitted to provide voluntary coverage.
Full medical benefits are provided with no time or monetary limitations. Medical benefits include psychological treatment if rendered by a psychologist and upon the referral by a physician. Medical treatment required for a back injury shall include a chiropractor.
The percentage of worker's wage paid is 66 2/3. For weekly payments, the minimum is $114.75 and the maximum is $841.50, 110% of SAWW. The maximum period of payments is 400 weeks. The maximum total amount payable is $300,800 (determined by PTD max).
The percentage of worker's wage paid is 66 2/3. For weekly payments, the minimum is $114.75 and the maximum is $765, 100% of SAWW. The maximum period of payments is 400 weeks. The maximum total amount payable is $300,800. If a worker is 100% disabled, maximum weekly payment can be received until age 65, and may be offset by OASDI.
The percentage of worker's wage paid is 66 2/3. For weekly payments, the minimum is $114.75 and the maximum is $765, 100% of SAWW. For non-scheduled injuries, the maximum period of payments is 400 weeks, and the maximum amount payable is $306,000.
Tennessee laws cover disfigurement that is "Serious of the head, face, or hands, so altering the personal appearance as to materially affect employability". Benefits are 66-2/3 percent of employee's average weekly earnings for a maximum of 200 weeks; not to be awarded if compensated under any other provisions.
Tennessee Department of Labor & Workforce Development
Workers' Compensation Division
710 James Robertson Pkwy 2nd Floor
Nashville, Tennessee 37243-0661
Phone: (615) 532-4812
Toll Free: 1-800-332-2667
TDD: 1-800-848-0299
Internet: http://www.state.tn.us/labor-wfd/wcomp.html
The administrative rules of workers' compensation in Tennessee are available online from the Secretary of State's Web site at:
http://www.state.tn.us/sos/rules/0800/0800-02/0800-02.htm
Historical and current benefit rate information is available in PDF format (requires Adobe Acrobat Reader) online at:
http://www.state.tn.us/labor-wfd/WCRATETB.pdf
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.
Information for this topic was drawn from pages of the Workers' Compensation Division website at:
http://www.state.tn.us/labor-wfd/wcomp.html
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