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Workers' Compensation
National Summary
What is workers' compensation? Workers' compensation is a "no-fault" system that protects employees injured on the job by paying medical expenses and providing income while they are unable to work. If an injury occurred in the course of employment, employees do not have to prove that the employer was at fault to receive benefits and employers may not be sued for damages due to work-related injuries and illnesses.
For most employees, state workers' compensation statutes define the injuries covered; benefit levels; and how claims are resolved. Although workers' compensation laws provide the exclusive remedy for job-related injury and illnesses, employees might still be covered by the Family & Medical Leave Act (FMLA) or the Americans with Disabilities Act (ADA).
While workers’ compensation insurance premiums have risen, there are cost-control measures including managed care, safety programs, investigating and pursuing fraudulent claims, incentives for employees to return to work quickly, and encouraging the settlement of claims.
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167046index.aspxQuestions & Answers If employees are allowed to work from home and they get hurt while they're working, are they covered by workers' compensation insurance? 05/25/2012National
156499index.aspxAnalysis Workers' Compensation 03/04/2009National
156011index.aspxQuestions & Answers We hire temps at our facility. One was injured last week. Is this covered under the temp agency's workers' compensation insurance? 06/16/2008National
155825index.aspxQuestions & Answers If an employer is paying the premiums for workers' compensation insurance for their employees, are the payments received by the employee taxable? 01/04/2008National
159158tools.aspxPolicies Workers' Compensation (Alternative III) 02/20/2006National
159157tools.aspxPolicies Workers' Compensation (Alternative II) 02/17/2006National
159156tools.aspxPolicies Workers' Compensation (Alternative I) 02/16/2006National
159155tools.aspxPolicies Workers' Compensation 02/15/2006National
154835tools.aspxChecklists Worker's Compensation Insurance Checklist 10/12/2005National
154789index.aspxQuestions & Answers If a company did not participate in disability insurance, would the company be liable if someone had an accident in the firm? 09/06/2005National
152304index.aspxQuestions & Answers Do Workmans Comp Investigators have the right to review an employee's personnel file?(Florida) 10/24/2003National
152303index.aspxQuestions & Answers If you are injured on the job and subsequently admitted to the hospital, what is the waiting period in California before you can start collecting monetary benefits? 10/23/2003National
152302index.aspxQuestions & Answers What are the risks, if any, in separating an employee on workers comp temporary disability that was due to return to work 60 days ago and has not reported to work yet? 10/02/2003National
153090tools.aspxChecklists Employee Safety Responsibilities Checklist 10/01/2003National
152301index.aspxQuestions & Answers We are in the state of Missouri and want to know if we can set up a specific dollar amount to be paid by the Company for minor injuries that require outside medical treatment but have no lost time associated with them and report these as "Notice only 09/25/2003National
152300index.aspxQuestions & Answers We have an employee on workers comp, but it's been years, and we even think that she's working somewhere else now. Do we have legal obligation to keep paying for health insurance while the employee is not even working for us? 08/18/2003National
152299index.aspxQuestions & Answers Do you have an statistics on the savings which can be generated if an employer offers a restricted duty return to work progran for workers collecting workers compensation. 07/02/2003National
152298index.aspxQuestions & Answers In Florida, are all employers required to carry workers compensation insurance regardless of the type of industry they are in or the number of employees they have? 05/29/2003National
152297index.aspxQuestions & Answers Does any employer have to give employees sick leave? Does an employer have the right to force you to use your sick leave when the appointments are worker's comp related? 05/05/2003National
152296index.aspxQuestions & Answers Does Workers Comp claims belong in a separate file from the employees file. I know all medical information needs to be in a separate file- Does WC belong there too? 04/28/2003National
152295index.aspxQuestions & Answers If an employee looses their life while on the job, is the employer required by state law to pay Workers Comp to the family of the decesed? If so, how long would the family receive payment? 04/22/2003National
152294index.aspxQuestions & Answers I have an employee that was hurt while at work. He does not have health insurance through our company. What do I need to do from this point as far as the company's responsibility? 04/16/2003National
152293index.aspxQuestions & Answers Is the employer required to pay the employee portion of medical insurance premiums if the employee is on workers comp? 04/07/2003National
152292index.aspxQuestions & Answers Employee is out on workers compensation in the state of Florida. Employer want's to know if they can terminate the employee and offer her COBRA? 03/17/2003National
152291index.aspxQuestions & Answers Is it necessary to cover 1099 employees for Workman's Comp? 03/04/2003National
152281index.aspxQuestions & Answers Is there a web site where I can get workers' comp rules by state? We are a manufacturing organization with locations in 4 states. 11/21/2002National
152288index.aspxQuestions & Answers We have an employee who has been out of work due to an accedent. I have exhausted all his FMLA, running it concurrent with his worker's comp claim. He has not reached maximum medical improvement and we think it could be months longer. Please advise. 11/12/2002National
152287index.aspxQuestions & Answers What events or triggers would allow me to consider a workers comp leave as part of an FMLA leave? 10/07/2002National
152271index.aspxQuestions & Answers In other words, do you HAVE to work a certain amount of days per Workman's Comp? 09/09/2002National
152290index.aspxQuestions & Answers We have a employee that is workmans comp and is not doing the duties that he has been cleared to do. He comes in stands around then leaves. Can we terminate him? 06/03/2002National
152272index.aspxQuestions & Answers If a staff employee in the state of NJ was injured and put on a restricted duty, does the employer have to keep the employee is the same location or can he/she be transfered to another location? 05/08/2002National
152270index.aspxQuestions & Answers How long must a position be held for an employee who is out due to workers comp. injury? 03/25/2002National
152273index.aspxQuestions & Answers An employee with a past back injury has bengun missing work due to back pain - how do we protect ourselves from loss of productivity and/or potential worker's comp? 01/28/2002National
152284index.aspxQuestions & Answers Do you know of any company that sells Worker's Compensation software to keep track of lost work days and wc cases? 01/22/2002National
152286index.aspxQuestions & Answers Do vacation benefits coninue to accrue while an employee is off while receiving workers' comp benefits? 01/16/2002National
152285index.aspxQuestions & Answers An employee is out on Workers' Compensation and is currently enrolled in the company's health insurance plan, does the employer have to continue to pay the employee's portion of their health insurance? 12/18/2001National
152275index.aspxQuestions & Answers I have read that even if a worker aggrevates a previous injury from a previous company, a claim can still be filed and it is generally compensable. Is this the case? 12/11/2001National
152279index.aspxQuestions & Answers If a person is out of work due to Workers' Compensation, does the company have to continue paying for medical insurance coverage or does COBRA apply since the Worker had family coverage through the company. 11/30/2001National
152280index.aspxQuestions & Answers Is a farming company required to have worker's compensation coverage in Alabama? They have three employees. 10/08/2001National
152277index.aspxQuestions & Answers I work for a company in Virginia who has hired a sales person who will work from her home in California. Do we have to purchase Workman's Compensation insurance for her? 08/16/2001National
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