Workers' Compensation Insurance Explained

We all hear about Workers’ Compensation Insurance and most employers are required to carry it on their employees. But, why is this type of insurance important?


Workers’ Compensation insurance policies cover employees if they are injured on the job or if they contract a work-related illness. While job-related injuries are typically associated with more physically demanding jobs, any employee can experience an injury regardless of their position.


For example, a heavy equipment operator can be injured while performing their duties. This employee may be off work for a short or long time or could be unable to return to work. Workers’ Compensation insurance would also be important if an employee is exposed to a toxic substance while on the job.


Most policies provide a variety of benefits to workers who suffer work-related injury or illness. The coverage usually includes payment of lost wages and/or disability payments and payment of any medical treatments as a result of the employee’s injury or illness.


If you’ve been injured or become sick while on the job, laws protect workers from being discriminated against or terminated by their employer if they file a workers’ compensation claim.  If you feel you are being treated unfairly by your employer after suffering a work related injury and/or filing a workers’ compensation claim, contact Tammy Bowles Raines for a free consultation to evaluate your situation.