What is workers compensation?
Every state has passed workers’ compensation laws that provide benefits to employees injured at work. These laws have a variety of names, such as workers’ compensation, workman’s compensation, worker’s compensation, or work comp. These laws require that employees suffering on-the-job injuries receive compensation to replace lost wages and cover medical expenses. Most state laws provide that employers must either carry insurance through a private carrier or show that they can self-insure against claims by workers injured on the job. Other states provide that employers must pay into a state workers’ compensation fund. Workers’ compensation is a no-fault system. No matter what caused the injury – worker’s negligence, employer’s negligence, or a combination of the two – workers injured on the job receive benefits under the law. For the most part, states, rather than the federal government, regulate workers’ compensation. However, some workers, such as maritime, postal, and railroad workers
Workers’ Compensation is insurance paid for by employers to cover on-the-job injuries. State law requires employer to have such insurance or make other arrangements to pay for on-the-job injuries. Workers’ suffering from work related injuries or diseases are entitled to wage-loss and medical expense benefits arising as a result of the injury or disease.
A. Workers’ Compensation, or Industrial Insurance, is a system to provide basic benefits to people injured on the job. The goal of the law is to provide sure and certain benefits to reduce the physical and economic suffering of people injured on the job. Compensation is provided for employees injured on the job regardless of who is at fault. In exchange for this no fault coverage, employers are granted immunity from separate civil liability. However, if a third party’s negligence causes or contributes to your work related injury or illness you may have a separate civil action against that person or company. A third party is someone other than your employer or a co-worker. Most employers in this state pay workers’ compensation insurance premiums to the Department of Labor and Industries. If you are injured the Department is responsible for approving your claim and paying benefits. Some employers are self-insured, which means they pay benefits directly and will manage your claim themselv
Workers’ Compensation is insurance that provides financial assistance in the event of an on-the-job injury or illness. This insurance provides, according to Pennsylvania law, for payment of medical expenses and partial wage continuation for occupational injuries or illnesses incurred while within the scope of employment.
