Workers’ compensation is a coverage that provides benefits to employees who are ill or injured due to their job? State governments typically administer this program as part of social welfare programs, so it’s essential to understand your rights and coverage. Here are some facts about workers’ compensation.
Most Workers Are Covered.
In the United States, workers’ compensation is mandatory in most states; meaning employers must provide insurance coverage for their employees. Therefore, most workers who are ill or injured while on the job are covered by workers’ compensation and get all the necessary benefits.
Most Employers Must Buy Workers’ Compensation Insurance.
You must have workers’ compensation insurance if you are an employer with employees. Failure to comply with this law can result in severe penalties, including fines and jail time.
Most Work-Related Injuries Are Covered.
Most workers’ compensation programs cover injuries that occur while on the job. These injuries can include strains, sprains, fractures, burns, and even death. Benefits include income replacement, medical expenses, and death benefits.
Temporary and Permanent Disabilities May Be Covered.
Workers’ compensation covers both temporary and permanent disability. Temporary partial disability claims are usually paid for a set period, and then the payments stop. Permanent total disability claims are paid until the employee reaches retirement age or dies. In some cases, workers’ compensation will also pay for vocational rehabilitation, which helps the employee learn new skills to return to work.