Benefit, Here Are Your Articles for Monday, March 06, 2017
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Is This Your Situation: Finding Out Workers' Comp Basics


As designed, workers' compensation is an excellent program that can provide lost wages and pay medical bills for employees who are injured in the course of their daily job duties. As an employer, in most cases you are legally obligated to carry workers' compensation insurance, but it is critical that you understand how it works. Here is what you should know as an employer.

  • What does workers' compensation insurance cover? The program is intended to protect workers when they are the victim of an accident or illness caused by the workplace environment. While the condition doesn't have to occur in the workplace, the cause needs to be traced back to the workplace environment. Accidents and repetitive stress injuries are the most common, but illnesses such as certain forms of cancer can be connected to the workplace.
  • What does the insurance specifically not cover? The insurance does not cover anything non-work-related. This includes injuries sustained on the job premises but unrelated to the job, such as a fight or behavior that violates company policies. It will also not cover injuries or illnesses caused by drug or alcohol intoxication while on the job. An employee who has been terminated or laid off cannot retroactively claim an injury.
  • When can a worker sue the company over an injury? While the process is designed to make health care easier to obtain for an injured worker and reduce the burden on the employer, there are still situations where an employee can sue a company. The protections for employees in this case vary from state to state. Employees may be able to sue for pain and suffering as well as punitive damages, which are meant to punish the employer.

Do you have additional questions about your workers' compensation insurance process?


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Our firm provides the information in this e-newsletter for general guidance only, and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. The information is provided "as is," with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose.
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