I had no idea that there was a time when there was no workers comp, where if employees were injured on the job had to pay for the medical bills unless they won a lawsuit against their employer, and those who sued often lost the case because of the defensed availiable to the empoyers. That just seems so unfair to me. I am very greatful that is no longer the case and we have a thing such as workers comp. Workers Compensation are state programs that provide benefits to workers who suffer work-related injuries or illness. These laws operate under a principle of no-fault liability which means that an employee does not need to show that the employers was grossly negligent in order to recieve workers comp, and the employer is protected from potential lawsuits.
About 9 out of 10 U.S. workers are covered by state workers comp laws with the level of coverage varying from state to state. The benefits fall into 4 major categories
1) Disability income
2) medical care
3) death benefits
4) rehabilitative services
The amount of income varies from state to state as well as differ from how they fund workers comp insurance. Organizations can minimize the cost of workers comp by keeping workplaces safe and making employees and their managers conscious of saftey issues. I am we now have a thing such as workers comp, even if the work envionment is safe, I am a clutz and will probably end up using workers comp sometime in my work life.
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