| Workers Compensation is an insurance program that | | | | laws will vary. For example though fairly close in |
| provides medical and disability benefits for | | | | proximity the states of Georgia and Florida may have |
| work-related injuries and diseases. One of the basic | | | | different laws and requirements as they relate to |
| premises of this insurance is an experience rating | | | | workers compensation. Business owners should of |
| system that encourages injury prevention by charging | | | | course always consult with their attorneys for the |
| higher premiums to employers whose workers have | | | | most accurate and up to date information. |
| more injuries. | | | | As for rates, they are awarded through a strict liability |
| While workers compensation is mandatory in most all | | | | system, in which the employee is paid damages for |
| regions including Florida, California, Georgia and others, it | | | | their injury regardless of whether the injury was a |
| is not mandatory in Texas. It is a type of insurance | | | | direct result of an employer's negligence. |
| that administratively is fraught with danger to the | | | | The sole purpose for workers compensation is to |
| inexperienced lay person, as well as to the | | | | cover the medical expenses accumulated by the |
| inexperienced attorney. | | | | injury, as well as financially support of the employee |
| Workers Compensation is a social insurance system | | | | while they are recovering. |
| that gives partial wage replacement for temporary or | | | | In order to encourage businesses to accept full |
| permanent loss of earnings for job-related injuries and | | | | responsibility for the premium costs of workers |
| illnesses. | | | | compensation, the workers gave up the right to sue |
| It was first started in Germany in the 1800's and | | | | the employer for damages resulting from a job related |
| became common in the United States in the 1930's | | | | injury. When workers compensation was first |
| and 1940's. Now it appears to be here to stay. Though | | | | proposed, a compromise was reached between |
| many would like to see it go away the major | | | | businesses and the worker. Rather than a benefit, |
| impediment to eliminating workers compensation is the | | | | workers compensation is a legally mandated right of |
| absence of national health insurance and disability | | | | the worker. As such all medical bills relating to any |
| programs in the United States. | | | | on-the-job injury are covered by workers |
| Depending on the region in which it is being sought, the | | | | compensation. |