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Exactly What is Workers’ Compensation?

middle aged worker in neck brace with broken arm sitting at table and talking to businessman in blue jacket in office, compensation concept

Photo Credit: Adobe Stock

Just about everyone has heard of Workers’ Compensation – but do you know exactly what it is and what it means? The basic definition is that Workers’ Compensation is a type of insurance that provides medical and wage benefits to people (“workers”) who suffer an injury or illness in the workplace. These benefits can include covering the cost of lost wages, medical expenses and rehabilitation after an injury. Workers’ Comp also pays death benefits to the families of employees who are killed on the job.

In addition to providing benefits for injured workers, Workers’ Comp protects business owners from being sued by employees who are injured on the job. In this way, Workers’ Comp has certain advantages for businesses and their employees alike.

All states (with a few exceptions) require businesses that employ people who are not owners to purchase Workers’ Comp insurance coverage for their employees. What makes Workers’ Comp a bit complicated from a legal aspect is that each state has its own laws and programs governing Workers’ Compensation. For this reason, it’s important that you seek out an attorney who is experienced in the Workers’ Comp laws of your state if you are ever in need of legal assistance in getting a claim approved. 


If your Workers’ Comp claim has been denied, we can help.

If you suffered a work-related injury but your Workers’ Comp claim or benefits have been wrongfully denied, our attorneys are here to help. We have a great deal of experience and knowledge of the rules and nuances of Workers’ Compensation law. We will work closely with you and give you the individualized attention needed to get the Workers’ Comp benefits you deserve.

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