Frequently Asked Questions about Workers' Compensation
Q: What is Workers Compensation?
A: Workers' compensation is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries. An injured employee gets the benefits regardless of who was at fault -- the employee, the employer, a co-worker, a customer or some other third party. In exchange for these guaranteed benefits, the employees usually do not have the right to sue the employer in court for damages for the injuries.
Q: Does workers' compensation cover only injuries, or does it also cover long-term problems and illnesses?
A: Your injury need not be caused by an accident -- such as a fall from a ladder -- to be covered by workers'
compensation. Many workers, for example, receive compensation for repetitive stress injuries, including carpal tunnel syndrome and back problems, that are caused by overuse or misuse over a long period of time. You may also be compensated for some illnesses and diseases that are the gradual result of work conditions -- for example, heart conditions, lung disease and stress-related digestive problems.
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