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What Is Workers Comp Insurance?
Workers’ compensation, commonly referred to as “workers’ comp,” is a government-mandated program that provides benefits to workers who become injured or ill on the job or as a result of the job. It is effectively a disability insurance program for workers, providing cash benefits, healthcare benefits, or both to workers who suffer injury or illness as a direct result of their jobs.
In the United States, workers’ compensation is handled primarily by the individual states. The required benefits vary greatly state by state.
Texas is the only state that does not require employers to maintain workers’ compensation insurance
Understanding Workers’ Compensation
Workers’ compensation benefits may include partial wage replacement for the period during which the employee cannot work. The benefits may also include reimbursement for healthcare services and occupational therapy.
Most workers’ compensation programs are paid for by private insurers, from premiums paid by the individual employers. Each state has a Workers’ Compensation Board, a state agency that oversees the program and intervenes in disputes.
There are federal workers’ compensation programs that cover federal employees, longshore and harbor workers, and energy employees. Another federal program, the Black Lung Program, handles death and disability benefits for coal miners and their dependents.
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About Benadette
Bernadette is a businesswoman who has the Heart, Experience and Knowledge and who professionally possesses an affectionate and caring attitude to the consumers, clients or people in general. She achieved the licenses she holds to be able to contribute to the community by assisting colleagues, peers, families and friends and the general public.Bernadette is a businesswoman who has the Heart, Experience and Knowledge and who professionally possesses an affectionate and caring attitude to the consumers, clients or people in general.
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