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Workers' Compensation

Workers' compensation is money paid to employees who suffer job related injuries and diseases that take place in the normal performance of employment duties or job performances. It does not apply to workers who deliberately violate safety rules or to those who hurt themselves intentionally.

Most employers are required to provide employees with workers' compensation insurance to pay for medical expenses, and a portion of the employee's salary, if the employee becomes injured on the job or becomes sick due to work related causes.

Although mandated but not governed by the U.S. Department of Labor, workers' compensation laws are administered by individual states, each under it's own authority regulating what injuries and diseases are covered and how much is paid per case.

All 50 states have workers' compensation laws, but each is different in application. It is compulsury for employers to carry workers' compensation insurance in all states but South Carolina, New Jersey and Texas, in which coverage is elective.

For employers who do not carry workers' compensation insurance, there are very stiff penalties if an employee is injured on the job.

Some jobs categories do not require the employer to provide workers' compensation insurance, such as companies with fewer than a specified number of employees, farm and ranch workers, volunteers, casual, part time, and seasonal employees, and domestic workers.

The U.S. Department of Labor is dedicated to providing information to employers, employees, those who are looking for jobs, and retirees.

Workers' Compensation Insurance is a means to protect the wages, health benefits, retirement security, employment rights, safety, and health of America’s workforce.

It is an employee benefit that is very important, along with with social security, disability insurance, unemployment insurance, and family and medical leave.

If you are not sure whether your employer provides the above mentioned benefits, check with your human resources department, union representative, or contact your states' labor department or the U.S. Department of Labor.

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