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worker compensation insurance

It is the responsibility of the employers to offer maximum safety to the employees while they are employed in the workplace. Any accident during the event of the work requires the employer to compensate the worker for the injury sustained. As a protection against the lawsuit from these accidents and to present the workers with excellent medical care, the employer takes up workmen compensation insurance. The liability to compensate the workmen occurs when they are hurt inside the premises or in auto accident while they are on duty.
Every state in the U.S. has its own laws that are applicable to cover the workmen compensation. The workmen insurance compensation liability covers occupational diseases and injuries that crop up while at work. The insurance offers compensation in the event of loss of limbs, for medical treatment and rehabilitation, lost wages, death, injuries at work and even against the lawsuits filed by the injured in opposition to the employer. The loss of wages covered under the policy is typically two-thirds of the normal salary collected by the injured worker. During the death of the employee, the workmen insurance compensation liability compensates the survivors at the agreed amount. The workmen insurance compensation is not liable to compensate the employee on a willful attempt to injure him or any injury that happens by intoxication of the employee while on duty.

The premium that is to be paid by the employer varies with the nature of the work of the employees and the employer’s payroll. The insurance covers all expenses that are essential for the employee to resume work.

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