Workers compensation insurance operates on the principle that benefits for a covered work-related injury are paid:
Explanation
Workers compensation is a no-fault system: an employee injured in the course and scope of employment receives statutory benefits regardless of who was at fault, and in exchange generally gives up the right to sue the employer. This trade-off provides prompt, predictable benefits to workers while limiting employers' liability. The concept is uniform nationwide, even though specific benefit amounts are set by each state.
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Related questions on this topic
- An employee is injured at work when a delivery driver from an unrelated company runs a red light and hits him. The WC insurer pays his medical bills and disability. What right does the insurer have against the at-fault driver?
- An employee is injured working for an employer who illegally has no workers' compensation insurance and refuses or is unable to pay benefits. Which California program pays the injured worker?
- An injured worker reaches maximal medical improvement with permanent restrictions and the pre-injury employer cannot offer modified or alternate work. What benefit is the worker generally entitled to?
- Which of the following benefits is NOT typically provided by workers compensation insurance?
- Under a Workers Compensation and Employers Liability policy, Part Two (Employers Liability) is intended to:
- The exclusive remedy concept in a workers compensation system means that an injured employee:
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