Workers Compensation

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Workers' compensation is a form of insurance providing medical benefits to employees injured in the course of employment and wage replacement and in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

The compensation bargain is the tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system.

While plans differ among jurisdictions, provision can be made for weekly payments in place of wages, a form of disability insurance, compensation for past and future economic loss, reimbursement or payment of medical and similar expenses, a form of health insurance, and benefits payable to the dependents of workers killed during employment, a form of life insurance.

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