Workers Compensation
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What is Workers' Compensation Insurance?
Workers' compensation is a type of insurance that offers wage replacement and medical benefits to employees injured on the job, in exchange for their agreement to give up the right to sue their employer for negligence.
Additional Information about Workers' Comp Insurance
While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss both past and future and reimbursement or payment of medical and related expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance). Additionally, benefits may be payable to the dependents of workers who die on the job, functioning like life insurance.
General damages for pain and suffering, and punitive damages for employer negligence, are generally not available in workers' compensation plans, and negligence is generally not an issue in the case.
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