(In effect as of January 1, 2004*)

                         TABLE 14.  WAITING PERIODS

____________________________________________________________________________                                                                           

                                                   Compensation  retroactive

                                                    if disability continues

Waiting Period            Jurisdiction                for period indicated

                                                       from date of injury                         

  3 days......  Alabama (temporary total disability

                         only).......................   21 days                                                   

 

                Alaska...............................   More than 28 days

 

                California (temporary total disa-

                  bility only).......................   14 days (also retro-

                                                        active if person is

                  hospitalized)

 

                Colorado.............................   More than 2 weeks

 

                Connecticut..........................   7 days

 

                Delaware (no waiting period in case

                  of amputation of a member of the

                  body, or a part thereof, or when

                  the injury results in hospitali-      7 days, including

                  zation of the employee)............   date of injury

 

                District of Columbia.................   More than 14 days

 

                Hawaii (temporary total disability

                        only)........................   None

 

                Illinois (temporary total disability

                          only)......................   14 days or more

 

                Iowa (temporary total

                      disability)....................   More than 14 days

 

                Maryland.............................   More than 14 days

 

                Minnesota (temporary total disability)  10 days

 

                Missouri 1/..........................   More than 14 days

 

                New Hampshire........................   14 days or more

 

                Oklahoma.............................   None

 

                Oregon (temporary total and temporary   14 days (in-patient

                        partial disability ..........   in hospital receive

                  compensation from

                                                        date of incapacity)

____________________________________________________________________________ *See Introduction page.

1/  Missouri:  Waiting period is the first three days during which the employer is

               open for business.

                     TABLE 14.  WAITING PERIODS (cont.)

____________________________________________________________________________

                                                    Compensation retroactive                                                     if disability continues

Waiting Period            Jurisdiction                for period indicated

                                                       from date of injury                                         

3 days......    Puerto Rico (temporary disability

  (cont.)                    only)...................   10 days

 

                Rhode Island (total disability only)    None, compensation

                                                        begins on fourth

                                                        day after injury

                Utah (temporary total disability

                      only)..........................   More than 14 days

 

                Vermont (total disability only)......   7 days

 

                Washington (temporary total disability) 14 days

 

                West Virginia........................   More than 7 days

 

                Wisconsin............................   More than 7 days

 

                Wyoming (temporary total disability

                         only).......................   More than 8 days

 

                United States*:

                  FECA (temporary disability only)...   More than 14 days

 

                  LHWCA..............................   More than 14 days

  __________________________________________________________________________   4 days .....   North Dakota........................    5 days  

 

                 Montana 2/..........................   No provision

___________________________________________________________________________   5 days......  Idaho................................                 More than 2 weeks

                                                        (in-patients in

                  hospital receive

                  compensation from

                                                        date of incapacity)

 

                Massachusetts........................   21 or more calendar

                                                        days

 

                Mississippi..........................   14 days

 

                Nevada (temporary disability only)...   5 or more consecutive

                                                             days, or 5 or more

                   cumulative days with-

                                                             in a 20-day period

                                                                           

*Federal Employees' Compensation Act; Longshore and Harbor Workers' Act.

2/ Montana:  32 hours (to take into consideration shift work) or 4 days loss of

             wages, whichever is less.


                     TABLE 14.  WAITING PERIODS (cont.)

    ________________________________________________________________________                                                                        

                                                   Compensation  retroactive

                                                    if disability continues

Waiting Period            Jurisdiction                for period indicated

                                                       from date of injury                                          7 days......      Arizona..............................   14 calendar days

 

                Arkansas.............................   2 weeks

 

                Florida..............................   More than 21 days

 

                Georgia..............................   21 consecutive days

 

                Indiana (temporary disability only)..   More than 21 days

 

                Kansas (temporary total and permanent

                  partial disability.................   3 consecutive weeks

 

                Kentucky.............................   More than 2 weeks

 

                Louisiana............................   6 weeks

 

                Maine................................   More than 14 days,

                                                             except that firemen

                   receive compensation

                   from incapacity

 

                Michigan.............................   2 weeks (retroactive

                                                             from day of injury

                                                             if death results)

 

                Nebraska.............................   6 weeks

 

                New Jersey 3/........................   7 days

 

                New Mexico...........................   4 weeks 

 

                New York.............................   More than 14 days

 

                North Carolina.......................   More than 21 days

 

                Ohio.................................   2 weeks (payment for

                   waiting period ap-

                                                             plies only in cases

                                                             of total disability)

 

                Pennsylvania (no waiting period for

                  scheduled injuries)................   14 days or more

 

3/ New Jersey:  Compensation of volunteer firemen, county five marshalls, volunteer first aid or rescue squad workers, volunteer drivers of ambulance, forest five wardens or fighters, members of boards of education, and volunteer special reserve or auxiliary policeman are not subject to any waiting period.

TABLE 14.  WAITING PERIODS (cont.)

                                                                           

                                                   Compensation  retroactive

                                                    if disability continues

Waiting Period            Jurisdiction                for period indicated

                                                       from date of injury 

  7 days......  South Carolina.......................   More than 14 days

    (cont.)

                South Dakota.........................   7 consecutive days

 

                Tennessee............................   14 days

               

                Texas................................   4 weeks

 

                Virginia.............................   More than 3 weeks

 

___________________________________________________________________________                                                                           

0 days......    Virgin Islands.......................  compensation begins

                                                             after first full day

                                                             of disability