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Myth 6 - ``What About Worker's Compensation - Won't That Cover Me?``


Workers compensation provides protection to workers and their employers in the event of a workplace-related injury or illness.

Through workers compensation, injured workers receive weekly payments to cover loss of earning capacity, payment of medical expenses and vocational rehabilitation expenses (where necessary) to assist them to return to work.

The Facts About Workers Compensation

  1. Workers compensation will replace up to 85% of your weekly salary should you be totally disabled and unable to work because of an illness or injury you sustained at work.
  2. Workers compensation will only replace the proportion of income you lose as a result of lesser duties or lesser hours of work, if you are partially disabled.
  3. Workers compensation will stop replacing your income after 52 weeks if the insurer believes you are able to work at least partially in your previous capacity.
  4. Workers compensation will provide you with a lump sum payment of up to $200,000 for pain and suffering. The insurer will determine the amount payable based on a sliding scale, relative to the injury or illness that occurred.
  5. Workers compensation is a state responsibility, which means the rules and  regulations around eligibility and cover vary from state to state.

If I Suffer An Injury At Work, What Are My Chances Of Receiving Workers Compensation?

  1. In 2000, 5% of workers experienced a work related injury or illness ^
  2. Less than 50% of these people received workers compensation ^

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