Workers’ Compensation Provides a Form of No-Fault Protection In the Workplace.

How Workers Compensation Work

Workers compensation is a form of insurance that is purchased by employers to cover for illnesses and injuries incurred by employees at the place of work. Understanding your employment law as an employee is important, and a great place to find good resources is 

Today, we provide you with the basic information that you need to have about workers compensation. So, read on to find out.

What is Workers’ Compensation?

Also known as workers comp, workers compensation is a program that employers are required by the law to have to protect employees from illness and injuries that result from work. Just like the federal government, each state has its compensation program.

To find your state compensation laws, go to the official page of the U.S. Department of Labor, and check on the State Workers’ Compensation page. In most cases, the workers receive compensation regardless of who contributed to the injury. 

Types of Expenses Covered by The Workers’ Compensation

The Workers’ comp covers all the expenses that result from work-related injury or illness suffered by the employees. Here are the things that the compensation covers.

  Replacement income

  Medical care from the illness or injury

  Compensation for all permanent injuries

  Costs for retraining

  Benefits to survivors of employees who are killed at the work premise

However, once you collect the compensation benefits, you can’t sue the employer. Besides, the workers’ compensation doesn’t include the suffering or pain caused by the tragedy.

Who is Covered by The Workers’ Comp Insurance?

The insurance covers most employees. However, states normally don’t include coverage for any of these workers:

  Business owners

  Independent contractors

  Employees of private homes


  Maritime employees

  Farmers and farmhands

  Casual workers

  Railroad employees

If you are a federal government employee, then you are not covered by the state workers’ compensation since you are covered by the federal workers’ comp program. Furthermore, some states do not require an employer with less than 5 employees to take the cover.

So, if you suffer any injuries or illness contributed by your employer’s recklessness or ignorance at your place of work, then you can sue them. If you win the case, then you may be awarded a range of damages including mental anguish, pain and suffering, lost wages, medical expenses, and punitive damages.


Suffering from accidents at your place of work can be devastating because it affects your productivity. Although you are covered by the workers’ compensation, some employers can dispute your claim. If this happens to you, then you need help. Talk to us at for the best legal help. We have experience handling various employment laws which put us in the best position to help you.