Workers’ compensation insurance offers critical benefits to both employers and employees:
- Financial Protection – Ensures employees get medical care without out-of-pocket expenses.
- Legal Protection for Employers – Reduces the risk of employee lawsuits.
- Encourages Workplace Safety – Employers have an incentive to maintain a safe work environment.
- Supports Faster Recovery – Covers rehabilitation programs to help employees return to work.
6. What Does Workers’ Compensation Insurance Cover?
A standard policy covers:
✅ Injuries from workplace accidents (falls, machinery accidents, etc.).
✅ Occupational illnesses (lung disease from toxic exposure, repetitive stress injuries).
✅ Medical treatments and rehabilitation therapy.
✅ Lost wages during recovery.
7. What is Not Covered in Workers’ Compensation Insurance?
🚫 Injuries due to drug or alcohol use at work.
🚫 Self-inflicted injuries (intentional harm).
🚫 Injuries that occur outside work duties (e.g., commuting accidents).
🚫 Violations of company policies leading to accidents.