Workers’ Compensation is a state-mandated insurance program that provides financial and medical benefits to employees who suffer job-related injuries or illnesses. It protects workers by covering medical expenses, lost wages, rehabilitation costs, and disability benefits, while also limiting employers’ liability for workplace accidents. The program aims to ensure prompt, fair compensation without requiring lengthy litigation.
Eligibility and coverage details vary by state, and employers are generally required to carry workers’ compensation insurance or self-insure. Employees must report injuries promptly and may need to follow specific procedures to file a claim.
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Key Facts
- Mandatory Coverage: Most employers are legally required to carry workers’ compensation insurance for their employees.
- No-Fault System: Benefits are provided regardless of who was at fault for the injury or illness.
- Medical and Wage Benefits: Covers medical treatment, a portion of lost wages, vocational rehabilitation, and disability compensation.
- Exclusive Remedy: Employees typically cannot sue their employers for workplace injuries if they accept workers’ compensation benefits.
- Varies by State: Laws, benefit levels, and eligibility criteria differ across U.S. states.
1. Who is covered by workers’ compensation?
Generally, all employees are covered, but independent contractors usually are not.
2. What types of injuries are covered?
Injuries or illnesses that arise out of and in the course of employment, including repetitive stress injuries and occupational diseases.
3. How do I file a workers’ compensation claim?
Report the injury to your employer promptly and follow their procedures to file a claim with the state workers’ compensation board or insurance carrier.
4. Can I sue my employer after receiving workers’ compensation?
Usually no. Workers’ compensation is an exclusive remedy preventing lawsuits for workplace injuries, except in cases of gross negligence.
5. What if my claim is denied?
You can appeal the decision through the state workers’ compensation board or seek legal assistance.
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