Workers Compensation Insurance for Nebraska
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Understanding Workers' Comp Insurance
California's Workers' Comp Insurance Laws
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Workers Compensation Insurance for Nebraska
Running a business in Nebraska demands more than just strategic planning, innovation, and effective management. One of the most crucial aspects of responsible business ownership is ensuring the safety and security of employees. Workers compensation insurance is at the heart of that responsibility. It is a system designed to protect both employees and employers when workplace injuries or illnesses occur, ensuring fairness, stability, and legal compliance.
In Nebraska, workers compensation insurance is not an optional coverage—it is a mandatory legal requirement for nearly all employers. This insurance safeguards employees by guaranteeing medical care and financial assistance after a work-related injury while simultaneously shielding employers from potentially devastating lawsuits. Understanding how this system works, who it covers, and what responsibilities it imposes is essential for any Nebraska business owner seeking to operate ethically and sustainably.
Understanding the Nebraska Workers Compensation System
The Nebraska workers compensation system operates on a no-fault basis, which means that injured employees can receive benefits regardless of who caused the accident. This framework eliminates the need for workers to prove negligence, fostering a more efficient process for resolving injury claims. Employees gain access to necessary medical treatment and wage replacement benefits, while employers are protected from civil lawsuits arising from workplace incidents.
The system is administered by the Nebraska Workers’ Compensation Court, which ensures compliance with state laws, manages disputes, and oversees claims processing. The court serves as the governing authority that maintains balance between employer obligations and employee rights. Its role is to enforce consistent standards for compensation, medical benefits, and rehabilitation while resolving any disagreements that may arise between the involved parties.
The purpose of this no-fault system is to streamline recovery and minimize conflict. It ensures that injured workers receive prompt medical care without needing to pursue lengthy litigation, while employers maintain predictable costs through regulated insurance mechanisms. This equilibrium encourages safer workplaces and fosters trust between employers and their workforce.
Who Needs Workers Compensation Insurance in Nebraska
In Nebraska, virtually all employers are required by law to carry workers compensation insurance. Any business with one or more employees, whether full-time or part-time, must secure coverage. This applies to corporations, limited liability companies, partnerships, and even non-profit organizations. The law’s reach ensures that the majority of Nebraska’s workforce is protected under a standardized system.
There are a few exceptions to this general rule. Certain agricultural employers may be exempt, as well as some domestic service and sole proprietorships where no employees are hired. However, these exemptions are limited and often misunderstood. Even in cases where coverage may not be strictly required, many small or family-run businesses choose to purchase it voluntarily to safeguard against financial loss in the event of an accident.
Corporate officers and limited liability company members are typically considered employees under Nebraska law and are thus automatically included in the coverage unless they formally opt out. Independent contractors, on the other hand, are not automatically covered. Yet misclassifying employees as contractors to avoid insurance premiums is illegal and can lead to serious penalties, including back payment of benefits and fines. The burden of compliance rests entirely with the employer, and ignorance of the law is not a valid defense.
Failure to maintain valid workers compensation coverage is a direct violation of Nebraska law, carrying potentially severe consequences. The Nebraska Workers’ Compensation Court has the authority to impose penalties, including fines and the suspension of business operations until proper insurance is obtained.
Coverage Provided by Workers Compensation Insurance in Nebraska
Workers compensation insurance in Nebraska provides comprehensive protection for both employees and employers. Its primary function is to cover medical expenses and replace lost wages for workers who suffer job-related injuries or illnesses. These benefits ensure that injured employees can focus on recovery without the stress of financial instability.
The first layer of protection is medical coverage. All reasonable and necessary medical treatments directly related to the workplace injury are covered by the employer’s workers compensation insurance. This includes emergency care, doctor visits, hospitalization, surgery, rehabilitation, physical therapy, medications, and medical devices. Typically, the employer or insurer designates the treating physician, although the employee may request a change under certain conditions.
The second component is income replacement. When an employee is unable to work due to their injury, they are entitled to a portion of their lost wages. Nebraska law provides Temporary Total Disability (TTD) benefits when an employee is completely unable to perform any work and Temporary Partial Disability (TPD) benefits if they can return to work in a limited capacity but earn less than before. Once the injured worker reaches maximum medical improvement, they may be evaluated for permanent disability benefits, which are categorized as either Permanent Partial Disability (PPD) or Permanent Total Disability (PTD).
In tragic cases where a workplace incident results in death, Nebraska’s workers compensation system provides death benefits to surviving dependents. These benefits include compensation for funeral expenses and ongoing financial support for the family, ensuring that loved ones are not left in hardship after such a loss. Dependents may include a surviving spouse, children, or other relatives who were financially reliant on the deceased worker.
Vocational rehabilitation is another important aspect of Nebraska’s workers compensation benefits. When an injured worker cannot return to their previous job, they may receive assistance in the form of job retraining, counseling, or placement services to help them reenter the workforce. The goal of this support is to restore the employee’s ability to earn a living and to reduce long-term dependency on benefits.
How Premiums Are Calculated in Nebraska
The cost of workers compensation insurance in Nebraska varies from one business to another and is determined by multiple factors. Insurers calculate premiums using standardized rating systems that consider industry risk, payroll size, and prior claims experience.
Payroll is one of the key elements in determining premium costs. The insurance rate is generally applied per $100 of payroll, and each job classification within a company carries its own rate depending on the risk level. For instance, employees in clerical or administrative roles are considered low-risk, while those in construction, manufacturing, or agricultural work face higher risks and thus attract higher premiums.
Another major influence on premium pricing is the experience modification factor, commonly referred to as the “mod.” This rating reflects a business’s claims history compared to similar companies in the same industry. A business with fewer or less severe claims may qualify for a credit that reduces its premium, while a history of frequent or costly claims can lead to higher rates. This system rewards employers who prioritize workplace safety and maintain proactive risk management practices.
Insurance carriers may also consider additional factors such as the company’s safety programs, employee training initiatives, and the accuracy of payroll reporting. Regular audits are conducted by insurers to verify that payroll data and job classifications are correct. Misreporting this information, whether intentional or accidental, can lead to premium adjustments and potential penalties.
Employers in Nebraska typically purchase coverage from private insurance companies authorized to operate in the state. Those unable to obtain coverage through the standard market can apply to the Nebraska Workers’ Compensation Plan, also known as the assigned risk pool. This ensures that every qualifying employer has access to necessary coverage. Large, financially stable companies may also apply for self-insurance status, allowing them to pay claims directly, but such approval requires meeting strict financial and regulatory standards.
Employer Responsibilities Under Nebraska Law
Having an active workers compensation policy is only part of an employer’s obligation. Nebraska law imposes several additional responsibilities to ensure compliance and fairness within the system. Employers must maintain accurate employment records, including detailed information about wages, job classifications, and employee status. They are also required to post notices in visible workplace locations, informing employees about their rights under the Nebraska Workers’ Compensation Act and providing details about the company’s insurance carrier.
When a workplace injury occurs, the employer must take immediate action. This begins with ensuring that the injured worker receives prompt medical attention. The employer must then notify the insurance carrier and file a First Report of Injury with the Nebraska Workers’ Compensation Court within 10 days of the incident. Timely reporting is crucial for avoiding penalties and ensuring that employees receive benefits without unnecessary delays.
Employers must also cooperate fully with insurance adjusters, medical professionals, and the Workers’ Compensation Court throughout the claims process. Transparency, timely communication, and accurate documentation are essential for maintaining compliance and resolving claims efficiently.
A major part of employer responsibility involves supporting return-to-work programs. When feasible, employers should provide light-duty or modified work opportunities that allow injured employees to remain productive while recovering. This approach benefits both parties—the employee continues earning income, and the employer reduces overall claim costs.
Lastly, maintaining a safe workplace is not just a moral duty—it directly impacts a company’s financial and legal standing. Regular safety training, risk assessments, and enforcement of safety protocols can reduce workplace injuries, lower insurance costs, and foster a culture of responsibility.
Penalties for Non-Compliance in Nebraska
Operating a business without valid workers compensation insurance in Nebraska carries serious repercussions. The state enforces strict penalties to ensure that every employer meets their legal obligations. If a business fails to secure coverage and an employee is injured, the employer becomes personally responsible for all medical expenses, disability payments, and potential penalties.
In addition to the financial burden of covering these costs out of pocket, uninsured employers lose the legal protections provided by the workers compensation system. Normally, workers who receive benefits cannot sue their employer for negligence. However, if the employer lacks coverage, the injured worker may file a civil lawsuit seeking damages for pain, suffering, and other losses. This type of litigation can lead to judgments that financially cripple a business or force it into bankruptcy.
The Nebraska Workers’ Compensation Court may also impose civil fines, issue cease-and-desist orders, or refer cases for criminal prosecution if an employer willfully violates the law. These penalties serve as a powerful deterrent against neglecting coverage obligations.
Beyond legal penalties, non-compliance damages a company’s reputation and employee trust. Workers who feel unprotected may seek employment elsewhere, and public records of violations can harm business relationships and client confidence. Maintaining proper insurance is not only about legal compliance—it reflects a company’s commitment to ethical responsibility and worker welfare.
Who Must Be Covered and Who Is Excluded
Nebraska’s law broadly defines who qualifies as an employee, covering almost all individuals performing work for wages. However, there are specific exclusions. Independent contractors are generally not covered unless they elect to be or are misclassified. Certain agricultural employers who hire fewer than ten non-related workers may be exempt, as are domestic servants in private homes. Federal employees are covered under separate federal compensation systems.
To avoid confusion, employers should accurately classify every worker. Misclassification can result in fines, back payments, and potential lawsuits. Workers who are uncertain of their classification can seek clarification from the Nebraska Workers’ Compensation Court.
How Premiums Are Calculated and What Impacts Cost
The cost of workers’ compensation insurance in Nebraska depends on several key factors. The main components include the employer’s total payroll, job classification risk levels, and the employer’s past claims record.
Each job type is assigned a classification code that reflects the likelihood of injury. Office clerks, for example, fall under a low-risk class, while roofers, welders, or construction laborers belong to high-risk classes. The higher the risk, the higher the premium charged per $100 of payroll. Payroll serves as the foundation of the calculation—the larger the payroll, the higher the potential exposure and thus the total premium.
Another crucial factor is the employer’s “experience modification rate,” or “mod.” This rate compares an employer’s loss experience to that of similar businesses in the same industry. A company with frequent or severe workplace injuries will have a higher mod and pay more. Conversely, a company with an excellent safety record will enjoy reduced rates.
Additional considerations include business location, industry type, and safety initiatives. Employers who participate in return-to-work programs or invest in safety training can lower their premiums. Nebraska insurers are required to provide accident-prevention services to encourage safer workplaces. Employers who misclassify workers or underreport payroll risk audits and penalties.
Maintaining a safe workplace remains the most effective way to control costs. Over time, fewer accidents mean fewer claims, which leads to reduced premiums.
Claim Process and Timeframes in Nebraska
When an injury occurs, specific procedures and timelines govern the claim process. The employee must report the injury to the employer as soon as possible, ideally on the same day or within a few days. Delays may lead to disputes or denial of benefits.
After receiving notice, the employer must ensure the worker receives medical care from an authorized provider. If the injury involves more than one lost workday or treatment beyond basic first aid, the employer must file an official injury report. The insurance carrier then investigates to determine eligibility for benefits.
If the claim is accepted, the worker receives medical benefits, temporary disability payments, and rehabilitation services if necessary. Temporary total disability payments begin after a one-week waiting period and equal approximately two-thirds of the worker’s average weekly wage. If the disability lasts more than three weeks, the employee is reimbursed for the initial waiting week.
When a claim is disputed, the employee may file a petition with the Nebraska Workers’ Compensation Court for a formal hearing. The statute of limitations generally requires claims to be filed within two years of the injury or the last payment of benefits. Employees must cooperate with medical evaluations and comply with treatment plans. Employers and insurers must act promptly and in good faith; late payments or wrongful denials can result in penalties.
Following these procedures carefully ensures fairness and timeliness for both parties, helping injured workers recover while maintaining compliance.
Permanent Disability and Death Benefits
In cases where injuries cause lasting impairment, Nebraska law provides compensation for permanent partial or permanent total disability. For scheduled body parts, benefits are based on a statutory schedule that assigns a specific number of weeks to each type of loss—such as a hand, arm, or leg. For whole-body injuries, compensation considers the worker’s overall loss of earning capacity, age, education, and employment history.
Permanent total disability benefits apply when a worker cannot perform any suitable work for which they are qualified. These benefits may continue indefinitely, often for life, unless the worker’s condition significantly improves.
If a workplace injury leads to death, the worker’s dependents—usually a spouse and children—are entitled to death benefits. The surviving dependents receive a weekly benefit equal to two-thirds of the deceased worker’s average weekly wage, subject to statutory maximums. In addition, funeral expenses are reimbursed up to a specified limit. Benefits for dependent children typically continue until age eighteen or age twenty-three if the child is a full-time student. Permanently disabled dependents may receive benefits for life.
These benefits ensure that workers and their families are not left without financial support following serious or fatal accidents.
Self-Insurance, Assigned Risk, and Alternative Coverage Options
Nebraska permits certain financially secure employers to self-insure, meaning they directly pay for their workers’ compensation claims rather than purchasing a traditional policy. To qualify, employers must apply for approval through the Nebraska Workers’ Compensation Court and demonstrate financial stability, sufficient assets, and an effective safety and claims-management program. Self-insured employers must also provide a surety bond or security deposit to guarantee their ability to pay claims.
For smaller or higher-risk employers who cannot obtain coverage through the voluntary insurance market, Nebraska operates an assigned risk plan. This plan ensures that every employer can obtain legally required coverage, even if at higher rates. While the premiums under assigned risk plans are typically more expensive, they guarantee compliance and protection for workers.
Employers may also join group insurance pools or trust arrangements, where businesses in the same industry combine resources to share risk. Before selecting any alternative option, employers should carefully review their financial capacity and consult professionals to ensure compliance.
Why Compliance Matters: Legal and Financial Consequences
Carrying valid workers’ compensation insurance in Nebraska is not just a legal formality—it’s an absolute requirement. Employers who fail to maintain proper coverage face significant penalties. The Nebraska Workers’ Compensation Court may impose fines, and each day without coverage can be treated as a separate violation. In addition to financial penalties, the employer may be ordered to cease operations until they obtain valid insurance.
Non-compliance also removes the employer’s protection under the exclusive remedy doctrine. This means that if an employee is injured, the employer can be sued in civil court for damages far exceeding what would have been paid through insurance. The employer would then be personally responsible for all medical expenses, lost wages, and damages—costs that can easily reach hundreds of thousands of dollars.
Beyond legal exposure, non-compliance damages a company’s reputation, can lead to loss of business licenses, and may even result in criminal charges. For these reasons, ensuring compliance is essential for both legal protection and responsible business operations.
Practical Guidance for Employers and Employees in Nebraska
Employers should begin by confirming that their workers’ compensation policy is current and includes all employees. Regular audits of payroll records and classification codes prevent errors that could trigger penalties or back charges. Implementing a proactive safety program, enforcing the use of protective equipment, and conducting regular inspections can reduce workplace incidents and lower premiums.
Employers should communicate openly with employees about how to report injuries, where to seek treatment, and what benefits are available. They should maintain detailed records of all reported injuries and cooperate fully with the insurer.
Employees, in turn, should report injuries promptly, follow prescribed medical treatments, and maintain copies of all relevant records. If benefits are delayed or denied, they have the right to seek a hearing before the Workers’ Compensation Court. Cooperation, clear communication, and documentation help ensure fair outcomes for both sides.
Transparency and mutual responsibility lie at the heart of Nebraska’s workers’ compensation system. When both employers and employees understand their obligations, the process functions smoothly, delivering timely medical care and fair compensation.
Employer Responsibilities in Nebraska
Employers in Nebraska are required to maintain active workers compensation coverage at all times. Failure to do so can result in severe penalties, including fines and potential criminal charges. Every employer must display a notice of compliance in a visible area, informing employees of their rights and the name of the insurance carrier.
In addition to carrying insurance, employers must take steps to maintain a safe work environment. This includes providing proper training, maintaining equipment, and adhering to occupational safety standards. Employers are also required to report workplace injuries promptly. Delayed or inaccurate reporting can lead to penalties and complications in claims processing.
Employers must ensure that all employees are accurately classified according to their job duties when obtaining insurance. Nebraska uses classification codes to determine base rates, and misclassification can lead to audits, penalties, or increased premiums. Regular reviews with insurance agents or auditors help ensure compliance and accuracy.
Retaliation against employees who file workers compensation claims is strictly prohibited under Nebraska law. Employers who engage in discriminatory or retaliatory actions may face legal consequences, including reinstatement orders, fines, or civil liability.
Employee Responsibilities and Rights
Employees also have obligations under Nebraska’s workers compensation system. They must report any work-related injury or illness to their employer as soon as possible, ideally in writing. Delayed reporting can jeopardize eligibility for benefits. Once an injury is reported, employees must cooperate with medical treatment plans, attend appointments, and follow rehabilitation recommendations.
Employees have the right to receive appropriate medical care from a physician of their choice, as long as they comply with procedural requirements. In many cases, the employer has the right to select the initial treating physician, but employees can later petition to change doctors if necessary.
Workers must provide accurate information throughout the claims process. Fraudulent claims or falsified information can lead to penalties, benefit denial, or criminal prosecution. Transparency and cooperation help ensure timely resolution and fair compensation.
How Premiums Are Calculated in Nebraska
Workers compensation premiums in Nebraska are calculated based on several factors. The primary determinant is the classification of the business and its employees, as certain industries pose higher risks of injury than others. For example, construction and manufacturing businesses face higher base rates than office-based companies.
Premiums are also influenced by an employer’s experience modification factor (or “mod”). This figure reflects the company’s claims history relative to others in its industry. Employers with fewer claims or lower claim costs than average receive a lower mod and therefore pay lower premiums. Conversely, those with frequent or costly claims pay more.
Payroll size also affects premium calculations, as larger payrolls translate to higher potential exposure. Insurers periodically audit payroll records to ensure accuracy. Other factors include safety programs, loss control measures, and the insurer’s underwriting criteria.
Employers who maintain strong safety practices, implement return-to-work programs, and manage claims effectively can significantly reduce their premiums over time.
Managing and Controlling Workers Compensation Costs in Nebraska
Controlling workers compensation costs requires more than paying premiums—it demands a proactive, safety-oriented culture. Employers that prioritize employee safety typically experience fewer accidents and lower insurance costs.
Developing a comprehensive safety program is one of the most effective ways to control expenses. This involves providing regular safety training, conducting workplace inspections, and fostering open communication about potential hazards. Safety committees and employee participation can further reinforce a culture of accountability.
Accurate classification of employees is another critical cost-control strategy. Misclassification can lead to overpayment or costly corrections during audits. Employers should work closely with their insurance carrier to ensure each role is properly categorized according to Nebraska’s classification standards.
A well-designed return-to-work program helps minimize wage replacement costs by bringing injured employees back in a limited capacity while they recover. This keeps workers engaged and reduces long-term disability risks. Employees who return to light-duty roles often experience faster recoveries and improved morale.
Effective claims management also plays a crucial role. Employers should report injuries promptly, maintain clear documentation, and communicate openly with insurers and employees. Timely and transparent claims handling can prevent disputes and expedite benefit payments, helping both sides avoid unnecessary delays or litigation.
Self-Insurance and Alternative Coverage Options
While most employers purchase workers compensation insurance through private carriers, Nebraska law allows qualified employers to self-insure. To obtain self-insurance status, a company must demonstrate strong financial stability, adequate reserves, and effective claims management capabilities. The Nebraska Workers’ Compensation Court reviews and approves all self-insurance applications to ensure financial responsibility.
Self-insured employers assume direct responsibility for paying claims rather than purchasing a traditional insurance policy. This option can lead to cost savings for large organizations with predictable risks and excellent safety records. However, it also exposes them to greater financial risk if multiple or catastrophic claims occur.
For employers that cannot individually self-insure, Nebraska permits participation in group self-insurance pools. These pools consist of businesses within similar industries that collectively assume and manage risk. Group self-insurance allows smaller companies to access the benefits of self-insurance while spreading the risk among multiple members.
Employers who are unable to obtain coverage in the voluntary market due to high-risk classifications or poor claims histories can access the Nebraska Assigned Risk Pool. This state-supported mechanism ensures that all employers have access to legally required coverage, although rates are typically higher.
Penalties for Non-Compliance in Nebraska
Operating without valid workers compensation coverage in Nebraska carries severe penalties. Employers who fail to comply may face fines, legal action, and personal liability for any workplace injury costs. Without insurance, employers lose the protection of the exclusive remedy rule, exposing them to direct lawsuits from injured employees.
The Nebraska Workers’ Compensation Court actively enforces compliance, conducting audits and investigations to identify uninsured employers. Non-compliance can result in court orders, license suspensions, and disqualification from government contracts. In serious cases, willful violations can lead to criminal prosecution.
The financial impact of non-compliance can be devastating. Employers found liable for uninsured injuries must pay all medical expenses, lost wages, and damages out of pocket—often amounting to hundreds of thousands of dollars. Maintaining continuous coverage and verifying classification accuracy is far more cost-effective than facing penalties or lawsuits.
Industry-Specific Considerations in Nebraska
Certain industries in Nebraska face unique challenges when it comes to workers compensation. Construction, agriculture, manufacturing, and healthcare consistently report higher injury rates due to the physical nature of their work.
Construction employers must address risks such as falls, heavy machinery accidents, and exposure to hazardous materials. Strict adherence to safety protocols, regular inspections, and training on equipment use are essential.
Agricultural operations, though sometimes exempt from mandatory coverage, often opt to carry workers compensation voluntarily. Given the high risk of machinery accidents, repetitive strain, and livestock-related injuries, coverage provides invaluable protection for both farmers and workers.
Manufacturing employers must focus on preventing repetitive motion injuries, machinery accidents, and chemical exposure. Implementing ergonomic programs and safety barriers can significantly reduce injury frequency. Healthcare employers, on the other hand, face unique risks such as patient handling injuries, exposure to infectious diseases, and workplace violence. Proper lifting techniques, protective equipment, and security measures are essential components of prevention.
Each industry benefits from tailored risk management programs that align with its specific hazards and workforce characteristics. Insurance carriers often provide loss control consultations and safety training to help employers in these sectors reduce claims and costs.
Does Nebraska require workers compensation insurance?
Yes, Nebraska generally requires most employers to carry workers’ compensation insurance for their employees. The state mandates that any business with one or more employees—whether they work full-time, part-time, seasonal, or temporary—must provide this coverage. The insurance is designed to pay for medical expenses and lost wages if an employee is injured or becomes ill because of their job.
There are, however, a few specific exemptions. For instance, self-employed individuals, sole proprietors, partners, and certain members of limited liability companies (LLCs) may choose to exclude themselves from coverage. Similarly, agricultural employers are often exempt unless they elect to provide coverage voluntarily.
How much is workers' comp insurance in Nebraska?
In Nebraska, the cost of workers’ compensation insurance varies significantly depending on a number of factors — payroll size, job classification, claims history, and more. On average, for smaller businesses, you might see a premium around $50 per month, according to one small-business insurance marketplace.
Another source estimates the base cost for Nebraska as about $0.96 per $100 of covered wages — that is, for every $10,000 in wages, the base premium might be roughly $96 before other adjustments.
Thus, while a small business with modest payroll could end up paying around $600 per year (12 × $50) under average conditions, a business with higher payroll or in a more hazardous industry could pay considerably more once classifications, experience modification factors, and company-specific risk are included.
For a small business with two employees, the average monthly premium has been estimated at about $67 per month (or approximately $803 annually) in Kansas, though this number applies to simpler risks and assumes modest payroll.
However, if your business is in a high-risk industry (construction, roofing, tree trimming, etc.), the premium can be much higher. The key takeaway: you’ll need a quote tailored to your industry classification, payroll size and claims history to know exactly how much you’ll pay.
What insurance is required in Nebraska?
In Nebraska, drivers are legally required to maintain proof of financial responsibility for any vehicle registered in the state. This most commonly means having an insurance policy that meets the state’s minimum liability coverage requirements. The minimum liability insurance must include bodily-injury liability of at least $25,000 per person and $50,000 per accident, plus property-damage liability of at least $25,000.
Beyond those amounts, Nebraska also requires uninsured (and underinsured) motorist bodily-injury coverage of $25,000 per person and $50,000 per accident.
Note that these requirements apply to vehicles registered in Nebraska, and you must carry acceptable proof of the coverage (an original policy or certificate issued by an insurer authorized to do business in Nebraska) in the vehicle
If you have a business that employs people or uses vehicles, additional insurance obligations apply — for instance, employers generally must carry workers’ compensation insurance and vehicles owned by a business may require commercial auto coverage.
What is the rule 10 in Nebraska workers' comp?
Rule 10 of the Nebraska Workers’ Compensation Court’s Rules of Procedure addresses evidence. It states that the court is not bound by the usual common-law or statutory rules of evidence. It allows, in cases involving medical or vocational rehabilitation evidence, the receipt of written reports by physicians, surgeons, physical therapists, psychologists or vocational-rehabilitation experts (so long as duly signed and itemized) in lieu of or in addition to live testimony. Those reports must set out history, diagnosis, findings and conclusions, and are considered evidence upon which a reasonably prudent person is accustomed to rely in the conduct of serious affairs. Any party against whom such a report is used has the right, at their own initial expense, to cross-examine the author of the report either by deposition or live testimony. Unless exceptional circumstances exist, all evidence must be submitted at the time of the hearing. With respect to motions for summary judgment or other motions for judgment on the pleadings under statute § 48-162.03, the proceedings shall be governed by Nebraska’s statutes at §§ 25-1330 et seq.
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