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Workers Compensation Case Study

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5. Workers' compensation is type of insurance that provides wage replacement and medical benefits to employees that were injured in the line of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the case of negligence. Workers' compensation is a state-mandated insurance program that gives compensation to an employee who suffered a job-related injury or illness. Although the federal government administers a worker's compensation program for federal and certain other employees, each state has its own laws and programs regarding worker's compensation. Overall, an employee that has suffered a work-related injury or illness can receive compensation benefits regardless of who was at fault in the …show more content…

The primary role for disability benefits is to compensate the employee for the wages lost while their illness or injury makes it impossible for them to work. There are four categories that disabilities fall under depending on the facts. Those categories are, temporary total disability, temporary partial disability, permanent disability, and finally, permanent partial disability. Temporary total disability is one that keeps someone from working at all, but only for a short amount of time. In other words, they might not be able to work now, but they will be able to work one day. The majority of workers' compensation disabilities fall into this type category. Temporary partial disability is one that prevents a person from doing some of the duties of their job for a certain amount of time. In other words, they may do some parts of their job now, and someday they might be able to do all of the duties, just as they had done before their injury. Permanent total disability prevents someone from ever coming back to work. They do not need to be totally helpless or medically incapacitated to fall into this category, just unable to work at their previous job or a similar one. Permanent partial disability

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