Worker’s Compensation

UNIT 2.1 DB: WORKER’S COMPENSATION IN DIFFERENT STATES

Worker’s compensation is surprisingly different from state to state. Review the data in the Figures in Chapter 6, which list data for 18 states (AL, AR, CA, FL, IN, KS, MD, MT, NE, NJ, NM, VT, WA, and WI). Go online to find the same types of data for YOUR home state; If you live in one of the states listed in the book or a state commented on by a previous student, please choose a DIFFERENT state. For example, is there a state fund, what is the percent employee’s wages for temporary total disability and for how long, are there death benefits, etc.

If you lived in this state, would you feel adequately protected? If you were a small business owner, is this too much coverage? Is this state rolling back (reducing) workers’ compensation similar to the NPR news report under Resources and how do you feel about this push?

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Workers’ Compensation

Workers’ compensation in the United States differs in many ways from one state to the other. Each state is allowed to develop its distinct workers’ compensation system for all employees across the state. In most states, some of the compensation that is given to the workers is compulsory with the exception of Texas since the start of 2018. The workers’ compensation is an insurance scheme that provides medical benefits and wage replacement initiatives in case a worker is injured when they are conducting the various duties that are expected of them (Guidotti, & Cowell, 2017). The aim is to protect the welfare of the workers while at the same time protecting the employers from financial risks that are associated with accidents that may happen within the workplace. Through workers’ compensation, insurers can also meet their various financial motives.

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