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What Is Workers Compensation Insurance

What Is Workers Compensation Insurance

Workers’ Compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.

What Qualifies for Workers Compensation?
Typically, there are four basic eligibility requirements for workers’ comp benefits, Your employer must carry workers’ comp insurance. You must have a work-related injury or illness. You must meet your state’s deadlines for reporting the injury and filing a workers’ comp claim.

How does the Workers Compensation Work?
Workers’ comp insurance provides five basic benefits: Medical care: Paid for by your employer to help you recover from an injury or illness caused by work. Temporary disability benefits: Payments if you lose wages because your injury prevents you from doing your usual job while recovering.

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