How the workers compensation work
Commonly referred to as workers comp, workers compensation is a government implemented program that provides benefits or compensation to workers who get injured or fall ill on the job or as a result of the job. It is an effective disability insurance program for employees, providing cash benefits, healthcare benefits or both, depending on what is needed, to workers who have to go through treatment as a result of injury or illness as a direct result of what they do at work. It is essential to note that the US workers compensation is mainly handled by the individual states and the benefits vary from state to state according to their laws. Nearly every state requires businesses with employees to have workers comp coverage in which the workers compensation insurance covers the employees medical care costs and wage replacement. Most policies include employer’s liability insurance that protects the employers from lawsuits once the employee has accepted workers’ comp be...