Basics
This term refers to the insurance coverage that provides benefits to employees who are injured or become ill due to work-related activities.
What is Workers' Compensation Insurance?
These benefits compensate employees who are unable to work due to a work-related injury.
What are disability/loss of income benefits?
This common law defense states that an employee assumes all risks of injury.
What is assumption of risk?
Upton Sinclair's influential book "The Jungle," published in 1906, exposed unsanitary and dangerous working conditions in the meatpacking industry, contributing to the push for workers' rights and eventually the development of workers' compensation. In which city was "The Jungle" primarily set?
What is Chicago?
If an employee injures their back while lifting a heavy box as part of their regular job duties, would this likely be covered or not covered under Workers' Compensation?
What is Covered? (Injuries resulting from regular job duties are typically covered.)
This part of the Workers’ Compensation and Employers Liability Policy covers the required compensation benefits.
What is Part One—Workers’ Compensation Insurance?
Before workers' compensation laws, employees had to prove this to receive reimbursement for work-related injuries
What is employer negligence?
These benefits cover the costs of medical services required due to an employment-related injury.
What are medical benefits?
This rule states that if an injured party is at all at fault, they cannot collect damages.
What is contributory negligence?
This U.S. state enacted the first comprehensive workers' compensation law in 1911, serving as a model for other states and countries. Which state took this historic step?
What is Wisconsin?
If an employee is injured while commuting to work, would this likely be covered or not covered under Workers' Compensation?
What is Not Covered? (Injuries during the daily commute are generally not covered, as they are considered outside the scope of employment.)
Part Two of the policy provides coverage for this.
What is employers' liability for work-related injuries?
These are the two types of workers' compensation laws.
What are compulsory and elective laws?
Survivor benefits provide this to the dependents of a worker who dies from a work-related injury.
What are weekly benefits and funeral expenses?
This common law defense involves the argument that the injury was caused by a another employee.
What is the fellow servant rule?
The Employers Liability Act of 1906 in the United States aimed to address the issue of injured workers having to prove employer negligence in order to receive compensation. In what year was this act amended to provide more protections for workers?
What is 1908?
If an employee gets into a physical altercation with a coworker during a break and sustains injuries, would this likely be covered or not covered under Workers' Compensation?
What is Not Covered? (Injuries arising from personal disputes or unrelated to work duties are often not covered.)
The "Other States" section in the policy serves this purpose.
What is to provide coverage for states not specifically listed?
In a compulsory workers' compensation state, employers must do this.
What is comply with all provisions of the law?
This type of benefit includes physical therapy and retraining for a different occupation.
What are rehabilitation benefits?
In elective states, if an employer chooses not to provide workers' compensation, they cannot use this.
What are common law defenses?
The tragic Triangle Shirtwaist Factory Fire in 1911 highlighted the need for improved workplace safety and led to a renewed focus on workers' compensation. In which city did this devastating fire occur?
What is New York City?
If an employee is injured at a company-sponsored off-site team-building event, such as a company picnic, would this likely be covered or not covered under Workers' Compensation?
What is Covered? (Injuries at company-sponsored events are typically covered if attendance is expected or encouraged by the employer.)
The premium for workers' compensation coverage is typically calculated based on these two factors.
What is the employer’s payroll and job classification?
This federal law provides compensation for maritime workers injured during their employment.
What is the Longshore and Harbor Workers’ Compensation Act?
{edit} This benefit category is NOT covered under workers' compensation laws.
What is pain and suffering?
The primary benefit of workers' compensation laws for employees is that it provides this.
What is an exclusive remedy for work-related injuries?
This landmark U.S. federal law, passed in 1970, had a significant impact on workplace safety and subsequently influenced workers' compensation laws. What is the name of this federal law?
What is the Occupational Safety and Health Act (OSHA)?
If an employee is injured while intoxicated or under the influence of illegal drugs during work hours, would this likely be covered or not covered under Workers' Compensation?
What is Not Covered? (Injuries caused by an employee's intoxication or drug use are often not covered.)
This endorsement provides coverage for exempt employees not covered by state workers' compensation law.
What is a voluntary compensation endorsement?