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Workers’ compensation is a state-mandated insurance program that provides wage replacement and medical benefits to employees injured on the job. This no-fault system protects both workers and employers, ensuring injured employees receive support while employers avoid direct lawsuits.
Most work-related injuries and illnesses are covered, whether they happen suddenly or develop over time. This includes accidents like falls, repetitive stress injuries like carpal tunnel, and occupational diseases from toxic exposure.
Employees must report the injury to their employer within a specific time often 30 days. The employer then notifies the insurer. A formal claim is filed with the state’s workers' compensation board. Missing deadlines can result in lost benefits.
Benefits typically include:
Medical treatment costs
Temporary or permanent disability payments
Rehabilitation services
Death benefits for surviving family members
If your claim is denied, you’re pressured to return to work early, or your benefits are delayed, an experienced workers’ compensation attorney can help you appeal and protect your rights.