Wisconsin Workers' Compensation Requirements: What Employers Must Know

Insurance Coverage Obligations

Employers in Wisconsin must carry workers' compensation insurance that covers all employees, regardless of salary or hours worked. The state requires coverage for workers who perform any job duties, including temporary, part‑time, and seasonal staff. Failure to maintain coverage can result in penalties, fines, and potential civil liability.

Reporting New Hires and Terminations

Within 10 days of hiring, employers must file a new‑hire report with the Wisconsin Department of Workforce Development. Conversely, when an employee leaves the company, a termination report must be filed within the same timeframe. These filings help the state track insurance eligibility and ensure accurate premium calculations.

Injury Notification and Claim Filing

An employee who sustains a work‑related injury must notify the employer immediately. The employer is then required to submit a claim to the insurance carrier within 30 days of the injury date. The carrier will assess the claim and, if approved, provide medical and wage replacement benefits.

Medical and Wage Replacement Benefits

Approved claims grant access to medical care and a percentage of lost wages. In Wisconsin, medical benefits typically cover up to 100% of necessary treatment, while wage replacement starts at 50% of the employee's average weekly wage, capped at a state‑set maximum. Benefits continue until the employee can return to work or is permanently disabled.

Dispute Resolution and Appeals

If an employer or employee disagrees with a claim decision, the Wisconsin Workers' Compensation Commission offers an appeals process. Appeals must be filed within 30 days of the denial notice. The commission reviews the case, considers new evidence, and can overturn or modify the original decision.

Common Compliance Mistakes to Avoid

• Delaying or omitting new‑hire and termination reports.
• Failing to notify the insurer within 30 days of an injury.
• Not maintaining up‑to‑date insurance policy information on file.

Key Deadlines Summary