What is Workers Compensation?

Worker’s Compensation is a form of insurance that provides medical and wage assistance for employees who sustained work-related injuries. This is a state-mandated program that ensures you are properly compensated for all damages, injuries, and incurred losses.

In an unfortunate event an employee has died as a result of work-related injury or illness, surviving family members may obtain benefits from worker’s compensation. Although worker’s compensation laws provide benefits to the employees, it is also designed to protect the employers. The monetary worth provided by the insurance companies is limited in an attempt to minimize the employer-required coverage and to reduce the likelihood of injured workers from abusing the system.

Workers Compensation acts provide a system for hearings and judicial decisions by administrative law judges. This does not include the criteria to establish decisions for the general amount of damages. In the vast majority of cases, injured workers are barred from suing their employer for a work-related injury. An injured employee may bring a civil claim against his or her employer if the person feels there was significant damage due to negligence. The injured person may also sue a third party that contributed to the injury or illness.

Employers can carry worker’s compensation insurance, however, there are federal programs to aid those injured in a workplace without insurance. In most cases, the injured worker is covered for accidents that occur due to negligence. If a workplace accident does occur the employer/employee might have to undergo job retraining for safety purposes.

Each state and territory of the United States has a diverse set of laws in the worker’s compensation matters. It is therefore essential to get competent legal advice from an attorney that recognizes potential avenues of recovery for their clients.
workers compensation