What is workers' compensation? Workers' compensation
is a "no-fault" system that protects employees injured on the job
by paying medical expenses and providing income while they are unable
to work. If an injury occurred in the course of employment, employees
do not have to prove that the employer was at fault to receive benefits
and employers may not be sued for damages due to work-related injuries
For most employees, state workers' compensation statutes
define the injuries covered; benefit levels; and how claims are resolved.
Although workers' compensation laws provide the exclusive remedy for
job-related injury and illnesses, employees might still be covered
by the Family & Medical Leave Act (FMLA) or the Americans with
Disabilities Act (ADA).
While workers’ compensation insurance premiums have risen,
there are cost-control measures including managed care, safety programs,
investigating and pursuing fraudulent claims, incentives for employees
to return to work quickly, and encouraging the settlement of claims.