Workers' compensation is a government-mandated system 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.
Workers' compensation laws only cover work-related injury or illness. But, the injury or illness does not necessarily have to occur in the workplace. As long as it's job-related, it's covered. For example, employees are covered if they are injured while traveling on business trip, running a work-related assignment, or attending a business-related social function. Covered injuries and illnesses can range from sudden accidents -- such as falling off a scaffold -- to injuries that develop over time, such as repetitive stress injuries (RSIs), or illnesses from exposure to workplace chemicals.
In most states, employers are required to purchase insurance for their employees from a workers' compensation insurance carrier. In some states, larger employers with enough assets are allowed to self-insure, or act as their own insurance companies, while smaller companies (with fewer than three or four employees) are exempt.
There may be instances where you may sue your employer instead, but workers' compensation is considered the exclusive remedy for workplace injuries in most states. This is why failure to provide workers' compensation insurance coverage can result in steep penalty against the offending employer.
In addition to providing workers' compensation coverage, in most states, employers must perform some, if not all, of the following duties:
At Mega Health Services, we are committed to both providing the best medical treatment to your employees and minimizing lost work days. Staffed by highly trained medical teams, our walk-in friendly clinics have one goal: to get you and your team back to work.
You can call (703) 738-9994 or make appointment online.
For more information, Visit Workers Compensation