Workers’ compensation insurance was first developed in the U.S. at the beginning of the 20th century. Basically, workers’ compensation provides payment for medical treatment and wage replacement associated with injuries arising out of or in the course of work.
In most states, all employers (with a few exceptions) are required to carry workers’ comp insurance for their employees. In return for this guarantee of coverage, workers generally are unable to sue their employer for the injury. In legal circles, workers’ comp is described as the sole remedy for workplace injury.
Because workers’ compensation law is made by the state, each state has its own idiosyncrasies when it comes how it administers this law. To find out more, visit your state's workers' compensation agency's website.
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