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It is a form of coverage that your employer pays for in case you get injured on the job. Not to be confused with State Disability Insurance that is paid for split between worker and employer, at least it is in CA.
Gilley
Hi
Workers Compensation is a tax/disbursement system designed to protect an injured worker while he/she is out of work due to a work related injury.
It consists of a tax on the worker's pay and a second tax on the employer for each employee. The combined taxes are kept in a fund and disbursed to pay a percentage of the wages of such an injured employee.
Worker's Comp also handles doctor and hospital expenses, medicines, durable equipment like crutches, braces, and the like. Pretty much any expense related to the work place injury is covered - even life long wages if the employee is never able to work again.
In addition, worker's comp insurance companies work aggressively with employers to reduce or eliminate workplace accidents and dangerous situations. OSHA, a government agency also works in this area. Before workers comp and OSHA, there was little incentive for an employer to fix dangerous working conditions and injured employees were often simply let go without any recourse rather than for the employer to pay them while they were unable to work and guarantee their job for them when they recover (as is effectively the case today under worker's comp laws).
The actual implementation of the worker's comp law varies from state to state so your state's variation may be different from mine.
Hopefully, this is of some help.
Wydas M
It is a form of insurance designed to help with fiances during a injury that is job related
Pantherempress
If you get hurt on the job and need medical care the company is suppose to pay for it. And if you have to miss work due to the injuries they have to keep paying you.
Check with your local worker's union if you need some. Or if no union check the worker's comp office. It is a gov.'t run agency and they can help you if you need to take your employer to court to get your benefits.
Mariposa
It is a form of insurance. If you are hurt on the job, the company will pay your medical bills and your lost wages, instead of you using the insurance you are paying premiums for.
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