Functions of Workers Compensation Insurance

Workers Compensation

The aim of workers compensation health insurance is to provide employees remuneration if they are injured or contract an ailment on the job. In exchange for the monetary compensation employees receive when they cannot work because of the injury or illness they have sustained, they mandatorily relinquish their right to sue their employer because of damages they faced as a result of the negligence of the employer.

What an employee should seem to comprehend is that certain claims cannot be made with workers compensation health insurance that might otherwise be obtained in a court case. These include pain and suffering along with punitive damages resulting from the negligence of the employer.

Workers compensation health insurance can function in a few other ways. Options differ between states and various compensation plans, but provisions may be ready to cover weekly payments that are made to the incapacitated employee in place of their wages. In this form, workers compensation resembles disability insurance. Another form of this kind of insurance acts to reimburse the medical expenses required to bring the injured person back to good health. In this way, the indemnity acts as health insurance. There is even a form of workers comp that pays the dependents of the employee if they are killed on the job. This takes the place of life insurance.


A lot of people are convinced today that with the necessity to provide both full- and part-time employees with workers compensation health insurance, everyone benefits. Employees enjoy a feeling of safety at work because they know they will receive coverage if something uncontrollable occurs.

Likewise, employers become aware of working conditions and make them as safe as possible so there is less of a possibility that employees will make an insurance claim. Because employees with workers comp cannot sue their employers, a healthy relationship can remain between the two, and the worker can gladly get back to work after their health has been restored.

If you are looking to provide your employees with workers compensation health insurance, you should obtain it either from the state your business is located in or by having a private carrier if necessary. An internet search and comparison is the best option to finding the perfect level of coverage you want to offer your employees for your specific business situation. For inherently more dangerous jobs, you may choose to offer higher levels of compensation. Comply with the law in your state and avoid legal liability by ensuring your employees.

Well, I hope I have helped point you in the right direction for your business and your needs for GA Workers Comp Insurance or GA Workers Compensation. This article, Workers Compensation Insurance – How It Functions has free reprint rights.