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Business
Insurance
Workers'
Compensation Insurance
Every
state requires employers to provide some type of workers'
compensation insurance for employees, either from a state fund
or private insurance company. Workers' compensation coverage
is based on the idea that workers who are injured or ill
because of circumstances arising from their work should
receive medical treatment and wages until they are able to
return to their jobs, regardless of the cause of the injury or
illness.
Employers who purchase workers' compensation insurance have
the opportunity to work with their insurance company to
develop a safer workplace to help prevent worker injuries and
keep their workers' compensation insurance costs as low as
possible.
Workers' compensation benefits are normally of three types:
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Cash
benefits for disability or survivor benefits
-
Medical
benefits for doctor or hospital costs
-
Rehabilitation
to help injured workers return to their jobs
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