What is Workers Compensation?

Answer:
Workers compensation is a type of mandated insurance

that covers employees who are injured or disabled on the job. State workers compensation laws cover most employment while federal laws are limited to federal employees or interstate employees.

Workers compensation statutes vary from state to state but typically strive to provide injured or disabled employees or the families of employees who have died in a work-related accident illness with fixed monetary compensation and eliminate litigation. These statutes often limit or remove the liability of employers and coworkers. Workers compensation insurance covers workers compensation claims.

In addition to the different state workers compensation programs, some industries have their own program. For example, the Longshore and Harbor Workers’ Compensation Act provides workers compensation to those who work for private maritime employers.

Railroad workers and merchant marines receive similar protections through the Federal Employment Liability Act and the Merchant Marine Act because of their interstate and offshore working environment.

Non-military federal employees are covered under the Federal Employment Compensation Act. Each different type of workers compensation has its own provisions.


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