Workers' compensation insurance is a mandatory no-fault statutory system designed to provide comprehensive financial and medical protections for employees who suffer job-related injuries or occupational diseases. Core coverages include 100% of reasonable and necessary medical treatments (such as surgeries, doctor visits, hospital stays, and prescription drugs), temporary disability wage-replacement benefits if you miss work, permanent disability compensation for lasting impairment, and vocational rehabilitation support to help injured workers transition back into the workforce.
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