What is typically included in the duties of the insurer as described in workers' compensation policies?

The duties of the insurer in workers' compensation policies primarily revolve around their responsibility to ensure that injured workers receive the appropriate benefits in a timely manner. When an employee is injured on the job or develops a work-related illness, they are entitled to specific benefits such as medical expenses, rehabilitation costs, and wage loss compensation. The prompt payment of these required benefits is essential, as it supports the injured employee during their recovery and helps them maintain financial stability while they are unable to work.

Ensuring timely payment is not only a legal obligation but also reflects the insurer's commitment to protecting the well-being of the worker. By fulfilling this duty efficiently, the insurer helps facilitate the injured worker's return to the workforce, aligning with the overall purpose of workers' compensation programs, which is to provide support and rehabilitation for employees who suffer work-related injuries or illnesses.