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Workers Compensation

What is Workers Compensation?

Workers’ Compensation often known as workers comp is a provision by the employers to their employees for a workplace injury or illness caused amidst employee is on the job tasks within office, fieldwork, factory or outlet, etc. that is at the workplace.      

Work-related injuries or ailments are those when workers are injured on the job or get ill during the commitment of tasks, respectively. Though workplace safety executions are usually operative within organizations, then again diverse nature of incidents appear at different sorts of workplaces, therefore as per workers’ compensation law, medical care and expenses, and disability benefits are provided to the workers and they’re dependent as workers compensation coverage.

Death benefits are also extended to the families of the fatal incident non-survivors of the workplace.

The injured worker and/or acquiring job-related disease results in the provision of disability benefits under workers’ compensation insurance by way of general regulations.

Workers’ Compensation - General Regulations

Following are the general regulations (and practices in vogue) in terms of Workers’ Compensation:

 

What are the workers' compensation benefits?

Following are the Benefits under the Workers’ Comp Program:

Salary Benefits

The most generous of the programs pay 2/3 of the gross salary to a person, though no full salary if provided. Workers’ Comp benefits are not usually taxable other than the persons who are recipients of the income from social security disability or supplemental security income program(s).  

Medical Care

Workers who get injured amid the performance of duty are covered for health and medical expenses. For example, if a person is driving to the office is not considered to workers’ comp during a commute, but if fallen from scaffolding during doing a task is.

And, if due to a fatal accident at the workplace, an employee dies, her / his dependents get paid under workers’ compensation.   

 

What is the benefit of the Workers’ Comp Program to the Employer?

The Workers’ Comp Program has not benefited only the employees but also the employers as mentioned below:

What is Workers’ Compensation Insurance?

Workers’ Compensation Insurance is the insurance provider for expenses related to medical, lost wages, and rehabilitation charges to the workers who are injured or ill on the job. And the insurance companies - as per workers’ compensation law(s) - not only provide with the administration of workers compensation claims to the workers but also in case of death of an employee during job performance, extend death benefits to the families of the deceased.

Workers Compensation and the US Department of Labor

The United States Department of Labor Office of Workers’ Compensation Programs (OWCP) is the administering authority for four programs under major disability compensation which are provided to federal workers (or the dependents) and other specific groups for workplace injuries and acquired disease/ailment due to job-related engagements. These four programs are as mentioned:

  1. Wage benefits
  2. Medical management
  3. Vocational rehabilitative administration
  4. Other benefits

Specific groups are covered under:

  1. Federal Employees Compensation Program
  2. Long-shore and Harbor workers’ Compensation Program
  3. Federal Black Lung Program
  4. Energy Employees job-related Illness Compensation Program

State and local government or private agencies’ employees should contact their state workers’ compensation board, in case of any workplace injury prevalent.

Workplace safety and health page should be referred to for inquiring about the US department of labor’s programs on work-related injuries and illnesses and their prevention - Official website.