Coronavirus and workers' compensation
What employers need to know
posted March 11, 2020
This section has some important information about coronavirus/COVID-19 as it relates to workers' compensation and the workplace. You’ll also find information and an application form for SAIF’s $10 million coronavirus worker safety fund, designed to help businesses hardest hit by the pandemic.
Safety and Health
Employers are encouraged to follow guidelines from the Oregon Health Authority, Centers for Disease Control, and World Health Organization, and to check these resources regularly since the situation is changing daily. The Preventing COVID-19 Spread in Communities section of the CDC site provides specific guidance for home and work. In addition, the federal Occupational Safety and Health Administration COVID-19 topic page has resources for employers, as well as an extensive guide on preparing workplaces for COVID-19.
It is not necessary that an employer have all employees who are diagnosed with COVID-19 complete an 801 form. Claims should only be filed when employees believe they contracted or were exposed to coronavirus or COVID-19 on the job.
A coronavirus diagnosis is not necessarily work-related or a default workers' compensation claim. An employee should only file a claim when they are seeking treatment or medical advice for an exposure or a condition the employee believes resulted from work.
Under Oregon's workers' compensation law, the burden of proof is on the employee to show that, more likely than not, the employee contracted the coronavirus while working or traveling for work. As the coronavirus becomes more widespread in the community, this may be difficult to prove and would likely require an expert medical opinion.
If the employer shuts down the company or suggests that employees be tested, that does not necessarily mean claims should be filed or that interim time loss or diagnostic testing will be paid. If a medical provider or public health authority recommends testing or quarantine for a specific individual and ties that recommendation to a confirmed or suspected work exposure, then a claim should be filed.
Diagnostic testing may be compensable if there is confirmed or suspected work exposure to the coronavirus, and a medical provider or public health authority recommends diagnostic testing to determine whether the employee carries the coronavirus or has developed COVID-19.
If SAIF accepts a claim for COVID-19, or for diagnostic testing for coronavirus, and the worker is quarantined by the worker's health care provider or a public health authority, time loss may be owed to the worker. If an employee with an accepted claim for exposure is otherwise healthy and has an agreement with the employer to work remotely and is earning full wages, SAIF will not pay time loss.
Policy and payroll
During this difficult time, while some employers temporarily close or reduce operations throughout Oregon and others must increase operations, both payroll and workers’ compensation premiums will be impacted. It’s critical for employers to report payroll accurately to ensure they are not paying too much or too little for workers’ compensation. You can find detailed instructions for reporting payroll on saif.com, including instructions for revising a payroll report based on new information.
The impact of telecommuting on workers' compensation for your employees depends on their class codes and the employees' duties. If the employee is normally a clerical employee at the employer's location (8810), they would have the same class code when performing clerical duties at a home office.
If the employee is not normally a clerical employee, but they are going to temporarily work from home in a clerical capacity, you would be able to apply some wages to a clerical class code if the employee maintains verifiable time records. If they are performing work other than clerical duties, it would be unlikely that a different class code would apply. If you have a specific situation and want guidance, please contact SAIF or your agent.
We're here to help.
Please don't hesitate to reach out to your SAIF contacts or call our general number at 800.285.8525 for more information.