Workers’ compensation is a form of insurance employers purchase to cover their employees. Employees who are injured or become ill due to their jobs can file a claim to receive benefits. These benefits typically include medical expenses, rehabilitation costs and a portion of lost wages during recovery.

The process begins with the employee reporting the injury or illness to their employer, who then submits the claim to the insurance provider. The provider evaluates the claim and, if approved, disburses the appropriate benefits.

Workers’ compensation can cover various injuries and illnesses, from minor accidents to more severe conditions, ensuring comprehensive support for affected employees.

Workers’ Compensation May Be Mandatory

State governments may require employers to carry workers’ compensation insurance to help mitigate the financial impact of workplace injuries and illnesses on employees, ensuring they receive timely and adequate care. The mandatory nature of workers’ compensation in many areas underscores its significance in supporting the workforce.

Benefits for Employees

Workers’ compensation offers numerous advantages for employees, including access to medical care and financial support during recovery. This assistance helps injured workers focus on healing and returning to work, minimizing the long-term impact of their injuries.

Learn More

Nebraska requires most employers to have workers’ compensation insurance. There are some exceptions, such as for federal employers and independent contractors. Contact Town & Country Insurance Agency to learn how these laws apply to your Nebraska business. Our team can help you get appropriate workers’ compensation coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.