If you become injured while working on the job, you may be entitled to worker's compensation benefits. Your employer pays you worker's compensation benefits, but in exchange, you agree not to sue them in court for your injuries.
- According to Nolo, "Worker's compensation is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses."
- Worker's compensation provides claimants with several types of benefits, including monetary, medical and vocational rehabilitation.
- Although worker's compensation covers most injuries, it does not cover injuries, such as injuries occurring while intoxicated on the job, self-inflicted injuries and injuries sustained when an employee is not on the job or performing job-related duties.
- Many employees believe that you must be injured at your work place to receive worker's compensation, but you can still receive benefits as long as your injury is job-related. You could receive worker's compensation if you injure yourself while traveling for business or while running company errands, for example.
- Not all workers are covered by worker's compensation. Each states varies on what types of workers can be covered, but in general, independent contractors, farm workers, maritime workers and unpaid volunteers are types of workers that may not be covered.
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