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Workers’ Compensation Legal Glossary

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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 bargaining agreement.

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 own claims.

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.