compensation payments in the U.S. are usually covered by insurance plans paid
for by employers.
employer pays insurance on a regular basis, or has the payments deducted from
the workers paycheck. The insurance company agrees to cover any injuries sustained
by employees on the job.
purchase of workers compensation insurance is typically required by law for any
company with five employees or more.
your company has four or fewer employees, you need to obtain an exemption and
inform your employees that they are not covered by workman's comp... or your business
will be responsible for covering the payments.
an employee is injured on the job, the workers compensation program pays out benefits
until they can return to work. These payments normally include the cost of medical
bills as well as lost wages.
payment are often considered fair by all, doubts may arise about whether an employee
was truthfully injured on the job or suffered the injury while at home...
or on the softball field. At
other times, employers may dispute the seriousness of a disability that prevents an injured employee from returning to work.
the employer contests the injury or disability, then the employee can usually
request that a hearing be scheduled to present the facts and solve the dispute.
In many states, the law allows for decisions unfavorable to either party to be
with a lawyer who specializes in workers compensation is a good idea if an employee
contests a ruling, and especially if an employer chooses to stop payments, or
simply ignores the law by not making any payments at all.
More about workers compensation law around the Web:
Injury Law & Advocacy Group - Washington DC-based advocacy group promoting
the interests of those with occupational diseases or work-related injuries, with
searchable database of lawyers, related resources, membership info.
click on a state to find out more about workers compensation laws, claims
resolution and legal help where available: