What is Workers' Compensation?
A state-mandated insurance program providing benefits to employees who suffer work-related injuries or illnesses, regardless of fault.
Understanding Workers' Compensation
Workers' comp is a no-fault system - employees receive benefits even if their own negligence contributed to the injury. Benefits include medical treatment, wage replacement, and disability payments. In exchange, employees generally cannot sue their employers for workplace injuries.
Examples
- 1Factory worker injured by machinery
- 2Office employee developing carpal tunnel
- 3Construction worker falling from scaffolding
Related Terms
Temporary Total Disability (TTD)
Workers' compensation benefits paid when an injured worker is completely unable to work for a temporary period while recovering from a work injury.
Maximum Medical Improvement (MMI)
The point in recovery when a worker's condition has stabilized and further medical treatment is unlikely to result in significant improvement.
Independent Medical Examination (IME)
A medical evaluation performed by a doctor who has not previously treated the patient, typically requested by an insurance company or employer to assess the injury claim.
Occupational Disease
An illness or health condition caused by exposure to risk factors in the workplace, as opposed to a sudden traumatic injury.
Help Your Clients Understand Their Case
Quilia makes it easy to communicate complex legal concepts to your clients.