Worker Comp Laws
Welcome to Compensation 101
Workers compensation (aka workers comp) is a state-by-state set of laws and private insurance program that provides compensation to employees who suffer workplace accidents, injuries and illnesses. Unlike traditional health insurance, there are no out-of-pocket expenses with workers' comp. The federal government has it's own workers' compensation program for federal and certain other types of employees.
Workplace Accidents & Injuries
Workers' compensation will cover all medical expenses for full-time employees for most work-related injuries or illnesses. If the injury or illness prevents the employee from returning to work, worker's comp will replace a portion of lost salary. If the injury or ailment is determined to be permanent, worker's comp will make ongoing payments or a one-time lump-sum settlement.
Workers compensation laws also often protect a company from getting slammed with large payment judgments in claims cases, so thus protects both the employee and the employer.
Workers compensation laws set out the coverage, benefits and procedures for making claims. The laws also provide the circumstances in which employees may sue fellow workers and the employer for workplace accident injuries.