Worker's Compensation

In most states, Workers' Compensation insurance coverage is mandatory for all employers with any direct or indirect employees. The exposure may exist even when an employer hires an "independent contractor," in the event that all of the "independent contractor" conditions are not satisfied. Workers' Compensation benefits are statutory and are paid by the insurance company in accordance with the state law. These benefits may include medical and surgical assistance, financial compensation to the worker for his/her loss of earnings, death benefits, occupational or radiation diseases, or disability arising from such a disease or occupational injuries.