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Workers Compensation

Updated on July 8, 2010

Worker's compensation, also known as workmen's compensation, is a type of accident, health, and life insurance for wage earners, provided by employers. The provisions of coverage vary from one country to another. In the United States, worker's laws are administered by the states. In most states the employer may insure through private insurance companies. A few states have public insurance agencies for the purpose.

In the United States, worker's compensation covers most types of workers, but farm workers, domestic servants, charity workers, and casual help are usually excluded. Generally, in order to be covered, the illness or injury must occur during employment. Among the benefits are partially or fully paid medical treatment, and compensation for loss of wages while the employee is recovering. For more serious disabilities, such as loss of eyesight or a limb, long-term medical benefits and cash payments are provided for. Many states also provide for vocational rehabilitation of the worker.

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