Worker's Compensation
Workers Compensation Insurance is generally
required by law. Workers Comp. Coverage pays for the lost wages and
medical expenses of employees who are injured on the job.
Your Exposure to Claims:
An employee is automatically entitled to receive certain benefits when
he/she suffers an occupational disease or accidental injury during or due
to employment. Such benefits may include:
- Cash or wage-loss benefits
- Medical and career rehabilitation benefits
- In the case of accidental death, benefits to
dependents
A worker whose injury is covered by workers compensation
loses the common-law right to sue his/her employer for that injury.
However, injured workers may still sue third parties whose negligence
contributed to the work injury. Many jurisdictions permit employers or
insurers to sue negligent third parties on their employee`s behalf in
order to recover funds paid as workers compensation benefits.
Whether the employee or employer is at fault for the injury is usually
inconsequential, as the sole goal of workers compensation is to return the
injured employee quickly and economically to productivity.
Workers compensation benefits typically exclude:
- Independent contractors
- Domestic and agricultural workers in some states
Insurance
requirements:
Some form of workers compensation is required by law in every state. You
cannot legally hire a work force without providing them with workers comp
insurance.
For more information contact our insurance specialist @ insurance@dcgpo.com
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