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Workers' Compensation 101

Workers' Compensation 101


Workers' compensation is the oldest social insurance program in the US, adopted during the second decade of the 20th century. Despite that, many of its intricacies are still unknown by employers, that's why we've made a guide to help you fulfill your obligations and reap the benefits of proper Workers' Compensation insurance!

勞工保險是美國最古老的社會保險計劃,於 20 世紀第二十年代採用。儘管由來已久,雇主仍然不是十分清楚其中的許多錯綜複雜的細則,這就是為什麼我們制定了一份指南來幫助您履行義務並獲得適合的勞工保險的益處!

Workers' Compensation Definition


Workers' compensation is a government-mandated system (in the form of insurance) that pays monetary benefits to workers who become injured or disabled in the course of their employment. Workers' compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained as a result of their employment.


Most compensation plans offer coverage of medical fees related to injuries incurred as a direct result of employment.


How does Workers' Compensation work?


By agreeing to receive workers' compensation, workers also agree to give up their right to sue their employer for negligence. This "compensation bargain" is intended to protect both workers and employers. Workers typically give up further recourse in exchange for guaranteed compensation, while employers consent to a certain amount of liability while avoiding potentially greater damage of a large-scale negligence lawsuit. All parties (including taxpayers) benefit from avoiding the legal fees needed to process a trial.


Most compensation plans offer coverage of medical fees related to injuries incurred as a direct result of employment. For example, a construction worker could claim compensation if scaffolding fell on their head, but not if they were in a traffic accident while driving to the job site. In other situations, workers can receive the equivalent of sick pay while they are on medical leave. If a worker dies as a result of their employment, workers' compensation also makes payments to their family members or other dependents.


Types of Workers' Compensation


In the U.S., Workers' Compensation policy is usually handled by the individual states. The U.S. Department of Labor houses an Office of Worker's Compensation Programs, but it is only responsible for compensation policies for federal employees, longshoremen, and coal miners. The lack of federal standards for workers' compensation has resulted in deeply varied policies for the same kinds of injuries in different parts of the country. Therefore, it is essential for a worker to acknowledge and prepare for the possibility of a work-related injury to carefully examine both state and company compensation literature.


Identical injuries can receive radically different kinds of compensation depending on where a worker resides, which makes it all the more important to examine local compensation statutes.


California Workers' Compensation Law


California employers are required by law to have workers' compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers' compensation benefits. Workers' comp insurance provides basic benefits, including medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits.


The vast majority of workers' compensation claims are resolved without any problems. However, sometimes a disagreement can arise between you and your employee over issues such as whether the injury was sustained on the job or how much in benefits they are entitled to receive.


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