According to Occupational Safety and Health Administration (OSHA) 2007 statistics, there were 5,488 workplace fatalities in the United States. The top workplace accidents causing injuries or fatalities are transportation accidents, equipment operation, exposure to harmful substances, falls, fires, explosions and workplace violence. Worker's Compensation coverage protects injured workers regardless of fault, paying their medical expenses and compensating them for lost wages.
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Workers Compensation Benefits
Workers' compensation pays injured workers' medical expenses, sometimes including lost wage income and rehabilitation services. If you become permanently disabled, you may be eligible for long-term disability benefits. Workers' compensation benefits are tax free.
Requirements
In most states, employers are required by law to carry workers' compensation insurance. Some states have exceptions for companies having less than three employees. Workers' compensation is purchased by the employer from a workers' compensation carrier. A few states allow employers to self-insure through an approved state fund.
Covered Injuries
The injury does not necessarily have to happen at the job site to be covered. If you are on a work-related trip and are injured, workers' compensation benefits still apply to your injury.
Non-covered Injuries
Injuries caused by an employee's intoxication or drug-use at the workplace are not covered injuries under a workers' compensation policy. Other non-covered injuries include injuries that are self-inflicted, injuries sustained while committing a crime or injuries resulting from not following company policy.
Lawsuits
If an injury is the result of employer negligence or your employer intentionally causes you injury, a suit can be filed against him, bypassing the workers compensation system. Damages you may receive include mental anguish, pain and suffering and other punitive damages.
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