Workers Compensation

• Coverage for job-related injury or illness
• Replacement income for employees
• Medical expense coverage

Workers? Compensation provides replacement income and medical expense reimbursement to employees who are injured or become ill as a result of their jobs. Because Workers? Comp laws are dictated by the state legislatures, these benefits vary from state to state. Workers? Comp is mandatory in all states, except New Jersey and Texas where it?s voluntary.

Workers' Comp is designed to cover most accidents that may occur in the course of employment without regard to fault. This helps employees receive the medical treatment needed for an on-the-job injury without having to take their employer to court. In most cases, if an injured employee receives Workers' Comp benefits, they cannot sue their employer.

In most states, compensation is not payable if the injury was due to employee's intoxication, willful intent on employee's part to injure themselves or another, or willful act of a third party for personal reasons concerning the employee.