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Flashcards in 11. Workers Compensation Deck (8)
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1

Workers Compensation

It is a statutory insurance scheme in which individuals that get hurt on the job get a guaranteed recovery, but they are forbidden to sue their employer.

2

How it works

The employer, through an insurance company, is obligated to pay benefits to any covered employee if they are injured on the job

3

Does it cover pain and suffering?

No

4

Who is covered?

Employees are covered, but independent contractors are not.

5

Other excluded people:

1. Teachers (Generally)

2. Non-manual laborers at not-for profits

3. Part time household employees

4. Clergy

6

Exceptions to workers Compensation

1: if the P is injured solely due to his own intoxication, no remedy

2: If you intentionally try to injure yourself or someone else, no remedy

3: If you are injured in a voluntary off-duty athletic competition, no remedy

7

What you get

All medical expenses
Lost wages (up to 2/3 of average weekly wage)
If you die, there is a specified statutory benefit

8

What effect does workers compensation have on third parties?

None. Covered employees remain free to sue third parties that are not their own employer