Workers’ Compensation

What is Workers’ Compensation Insurance?

In most states, workers’ compensation is a no-fault system that provides wage replacement benefits and lifetime medical care for work-related injuries and illnesses. All for-profit employers and most not-for-profit employers must carry workers’ compensation insurance to cover all their employees.

Workers’ compensation insurance covers:

  • Health care related to an employee’s injury
  • Cash benefits of two-thirds of an employee’s average weekly wage, up to a maximum
  • Travel expenses to and from health care appointments

Workers’ compensation insurance is paid for by the employer.

Benefits of Workers’ Compensation Insurance

For employees, workers’ compensation benefits can help cover

  • Medical expenses for job-related sickness or injuries, including repetitive stress injuries like carpal tunnel or tendonitis
  • Lost wages if they miss work while recovering from a work-related injury or illness
  • Funeral costs if they lose their life in a work accident or from an illness caused by their work
  • Ongoing medical treatment, like physical therapy
  • Disability benefits if a work-related injury or illness causes a temporary or permanent disability and they can’t return to work

By covering employee illnesses and workplace injuries, workers’ compensation protects a business from lawsuits and keeps the business compliant with state regulations.


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