When employees go ‘oops,’ then ‘ouch,’ it pays to have workers’ comp.
In most states, employers are deemed responsible for their employees’ physical health while they are at work.
Workers’ compensation insurance provides benefits if an employee has a work-related injury or illness. For example, a dental hygienist injures her back while lifting a chair, gets hurt in a car accident while picking up lunch for the staff, or contracts a bloodborne pathogen from a needle stick.
In each of these cases, workers’ compensation would pay your employee’s medical bills and a percentage of their lost wages, typically two-thirds of their pre-disability income.
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