What is workers compensation?
It is compensation for medical treatment or disability provided by the employer for an injury caused by an accident arising out of and in the course of employment. Employees who sustain compensable injuries from an accident, injury or occupational disease may be entitled to: * Reasonable and necessary medical treatment expenses to treat the job related injury or illness; * Disability compensation to replace part of the wages lost due to a disability; and * Survivors’ benefits if death results.
• Workers’ compensation is an insurance program established by State law that all employers having one or more employees, full or part-time, are required to have for the benefit of their employees. With few exceptions, every employer in the State of Maryland with one or more employees is required by law to provide workers’ compensation coverage for their employees. An employer or employee cannot waive provisions of the Workers’ Compensation Law.
Workers’ compensation provides benefits to employees who are injured or become ill during the course of or due to employment. In California, every employer is required to carry insurance to cover the cost of occupational injuries and illnesses. This insurance requirement is mandatory even if you have only one part-time employee. Companies based out-of-state with employees hired in California must also have California workers’ compensation insurance.
If you are injured or become ill because of your job, you may be entitled to Workers’ Compensation Benefits. The Workers’ Compensation Program at Colorado College will pay the cost of all (reasonable) medical and hospital bills. If you cannot work because of a job related injury or illness, you may be eligible for payment of lost wages by means of Temporary Disability payments.
Workers’ compensation is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. While the federal government administers a workers’ comp program for federal and certain other types of employees, each state has its own laws and programs for workers’ compensation. For up-to-date information on workers’ comp in your state, contact your state’s workers’ compensation office. (You can find links to the appropriate office in your state on the State Workers’ Compensation Officials page of the U.S. Department of Labor’s website.) In general, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault — the employee, the employer, a coworker, a customer, or some other third party. In exchange for these guaranteed benefits, employees usually do not have the right to sue the employer in court for damages for those injuries.
