Workers’ compensation insurance provides compensation to employees who are injured or disabled on the job. It pays for necessary medical treatment, loss of wages during a period of disability and compensation for permanent disability or disfigurement. Benefits are also provided for dependents of workers who die in work-related accidents or from occupational illnesses.
Workers’ comp is a no-fault insurance system. To collect benefits, workers aren’t required to prove that they’re completely free from fault or that the employer is at fault. Workers’ compensation is also an “exclusive remedy” system: In exchange for the expectation of benefits, workers aren’t permitted to bring a civil suit against an employer to collect damages for work-related injuries. Exceptions are made to the “exclusive remedy” rule in cases of intentional injuries caused by the employer and injuries caused by a third party.
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