A guide for Oregon employers
Why is there workers’ compensation insurance?
Because it’s good for workers and good for business. You know it’s in the best interest of your employees. If they get hurt, it provides them with medical treatment, payment for time loss and disability, and even reemployment assistance if they need it. But did you know that workers’ compensation was created to protect employers too?
There was a time when workers who were hurt on the job often had to sue their employers to get help with their expenses. To the worker, this either meant no benefits or a long delay. To the employer, it meant possible financial ruin if the worker won a large award in court.
Workers’ compensation insurance was the answer to both problems. It replaced legal liability with no-fault insurance. Employees with injuries or diseases caused by work could get treatment quickly, with no need to prove the employer at fault. Employers were protected from lawsuits. Benefits were for actual loss and didn’t add large sums intended to punish the employer or pay for “pain and suffering.” As long as the injury or illness resulted from work, neither employer nor employee had to go to court.
Source : wcd.oregon.gov
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