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Everyone has heard of workers compensation, and most companies give employees this benefit when or if an employee is injured on the job. But, what exactly do workers compensation laws entail? Can each company individually determine how much compensation they will give to employees? Here are some basic facts about workers compensation that will help you understand what your rights are if youre ever injured on the job.
Its important to remember that each state has its own workers compensation laws that will make your company liable for certain injuries, so in most cases, negligence on the part of the company does not need to be proven. Its also a good idea to make sure that the state will offer you workers compensation insurance if you own or work for a very small company (under 5 employees), are a farmer, or an independent contractor.
While most people tend to think of workers compensation as a way to pay a worker for traumatic injuries that occurred while working, smaller injuries are also covered by workers compas long as the injury occurred while the employee was doing any work-related activity, or was on the clock. Injuries that are covered by workers compensation usually include back injury due to lifting heavy boxes and equipment, injury due to operating certain machinery in the workplace, and slipping and falling on wet surfaces.
If you own a small business or are an independent contractor, you may still want to consider getting workers compensation insurance for yourself, in case you are ever hurt on the job and need to cover medical expenses.