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The Curious Bag
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Workers Compensation provides employees with full compensation for job related injuries and illnesses, regardless of who was at fault, in exchange for their right to sue their employer.
Who's Covered
While it varies slightly from state to state, almost all companies are required by law to provide workers compensation. The few exceptions in some states are employees in a company with as little as 3-5 people, business owners, private contractors and volunteers.
What is Covered
Workers compensation covers work-related accidents such as slipping on a floor as well as injury or illness that is a long term result of a person's work.
How Much it Compensates
Workers compensation gives employees income replacement, covers medical expenses, and sometimes covers vocational rehabilitation expenses such as job training.
Exclusions
Employees can have their workers compensation claims rejected if they become injured while drunk or on drugs, in a fight, committing a crime, violating company policy or if they weren't on the job.
Reckless Employers
If you are injured due to the reckless or intentional actions of your employer, you may skip using the workers compensation program, and sue your employer in court.
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