Workers’ Compensation Insurance covers employees for injuries and illnesses sustained in the course and scope of employment, including:

Medical bills
Disability payments
Rehabilitation and recovery costs 
Partial missed wages 
Funeral costs and survivor benefits  


Workers’ Compensation Insurance helps employers pay for the above, plus covers an employer’s legal defense fees and settlements/judgments, should an injured employee sue for a WC-ineligible workplace injury.  

Workers’ Compensation Insurance does not cover every workplace injury. Coverage may be denied if any of the following apply to the injury: 

Originated outside the workplace 
Resulted from a fight started by the employee
Related to a felony 
Claimed after an employee is terminated or laid off 
Caused while the employee was under the influence of drugs or alcohol