Chapter 7 Flashcards
What is workers’ compensation?
Workers’ compensation is a system that provides financial and medical benefits to employees who suffer work-related injuries or illnesses.
Why is workers’ compensation important?
It ensures injured workers receive medical care and wage replacement while protecting employers from lawsuits related to workplace injuries
What are the key elements of a workers’ compensation system?
Coverage for medical expenses, disability benefits, rehabilitation support, and death benefits for dependents of deceased workers.
Who is eligible for workers’ compensation?
Any employee who suffers a work-related injury or illness, provided the injury occurred in the course of employment.
What are the types of workers’ compensation benefits?
Medical benefits, temporary disability benefits, permanent disability benefits, vocational rehabilitation, and death benefits.
How does temporary disability compensation work?
It provides partial wage replacement for workers unable to perform their duties for a limited time due to a work-related injury.
What is permanent disability compensation?
It is financial support given to workers who suffer lasting impairments that affect their ability to work permanently.
What is vocational rehabilitation in workers’ compensation?
It includes retraining and job placement assistance for injured workers who can no longer perform their previous job duties.
What steps should an employee take after a workplace injury?
Report the injury to the employer, seek medical treatment, file a workers’ compensation claim, and follow prescribed rehabilitation.
What is the role of employers in workers’ compensation?
Employers must provide a safe work environment, carry workers’ compensation insurance, and assist injured workers in claim processing
Can a workers’ compensation claim be denied?
Yes, claims can be denied due to lack of evidence, pre-existing conditions, or if the injury was caused by employee negligence or misconduct
How can employees appeal a denied workers’ compensation claim?
Employees can request a review, provide additional medical evidence, or seek legal assistance for a formal appeal process
What role does OSH law play in workers’ compensation?
OSH laws establish workplace safety standards to prevent injuries, reducing the number of workers’ compensation claims
What is an employer’s liability in workers’ compensation cases?
Employers are liable for covering medical expenses and lost wages, but they are generally protected from lawsuits by injured employees.
How does workers’ compensation impact workplace safety culture?
A strong workers’ compensation system encourages employers to improve safety standards, reducing workplace accidents and claims
