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Chapter 6: Worker's Compensation

Chapter 6, as the title implies, deals with worker’s compensation claims and is borrowed from my guide entitled Don’t Get Sued! A Guide to Help Reduce Your Business’s Exposure to Lawsuits and reads as follows:

When an employee is injured while in the scope of employment, that employee may file a worker’s compensation claim with your business. This is typically mandatory insurance coverage that you must offer your employees. Worker’s compensation benefits only provide payment for what the carrier deems to be reasonable and necessary medical treatment and reimbursement for lost wages. There is no pain and suffering compensation available.

In general, the legislature and judiciary do not like the idea of employees suing their employers, or fellow employees, for their injuries because such litigation may have an effect on the overall employment picture. In theory at least, the worker is less likely to pursue a claim if no payment other than medical bills and lost wages is available, and not compensating for pain and suffering saves the employer considerably in terms of premiums for the mandatory coverage.

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