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What is Workers’ Compensation Insurance?
Workers’ compensation is a form of coverage that provides wage replacement and medical benefits to employees injured in the course of employment. This is in exchange for mandatory relinquishment of the employee’s right to their employer for the tort of negligence.
Additional Information About Workers’ Comp Insurance
While plans differ by jurisdiction, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and similar expenses (functioning in this case as a form of health insurance) and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).
General damages for pain and suffering and punitive damages for employer negligence are generally not available in workers’ compensation plans, and negligence is generally not an issue in the case.
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