Workers’ compensation insurance is purchased by employers for the coverage of
employment-related injuries and illnesses. It’s designed to cover injuries that result from
employees’ or employers’ carelessness. In general, an employee with a work-related illness
or injury can get workers’ compensation benefits regardless of who was at fault, the
employee, the employer, or a coworker.
Works’ compensation is a no fault law, it means that it doesn’t matter who is at fault
either the employer or the employee. For example, a worker who rushing to do his job
before the end of shift over looks safety procedures and injures his back by lifting a more
than the required amount set by the company. The results of the injury are the worker is out
for months.
The objectives of workers’ compensation laws should cover most occupations or job-
related accidents and disease. Another is to provide substantial protection against the loss
of income. The benefits are designed to restore a some proportion of the worker’s lost
earnings, so that the worker can maintain a life of living. Also, it provide sufficient medical
care and rehabilitation services to injured workers.
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