4.What is Workmen’s Compensation? (5 points) A. Who is covered by this insurance

Question

4.What is Workmen’s Compensation? (5 points) A. Who is covered by this insurance? (2 points) B. What does an employee receive if she is injured on the job? (2 points) C. Who pays for this insurance? How much? (4 points) D. At the present time, what happens to college athletes if they are injured playing a sport for their college? (4 points) 4.What is Workmen’s Compensation? (5 points) A. Who is covered by this insurance? (2 points) B. What does an employee receive if she is injured on the job? (2 points) C. Who pays for this insurance? How much? (4 points) D. At the present time, what happens to college athletes if they are injured playing a sport for their college? (4 points) 4.What is Workmen’s Compensation? (5 points) A. Who is covered by this insurance? (2 points) B. What does an employee receive if she is injured on the job? (2 points) C. Who pays for this insurance? How much? (4 points) D. At the present time, what happens to college athletes if they are injured playing a sport for their college? (4 points) 4.What is Workmen’s Compensation? (5 points) A. Who is covered by this insurance? (2 points) B. What does an employee receive if she is injured on the job? (2 points) C. Who pays for this insurance? How much? (4 points) D. At the present time, what happens to college athletes if they are injured playing a sport for their college? (4 points)

Explanation / Answer

4. Ans. It is generally a financial support system established under law to provide income, medical care, and rehabilitation to employees for illness, injury, or death arising out of, and in the course of, their employment and it was not happened due to the fault of employees. These benefits are claimed by the employees (or their dependents) as a matter of right and the employer cannot disagree to any legal defense. Amount paid as compensation is based on the salary of the employee (also on the number of his or her dependents in some cases) and is usually subject to a specified maximum. In most countries, this system is compulsory although agricultural laborer and domestic day labors are not included.

A. Who is covered by this insurance ?

Ans. Under this compensation many, but not all, employees are entitled to workers’ compensation. The Federal Employment Compensation Act (FECA) provides non-military, federal employees with workers compensation. Workers employed by private companies, states, or local governments should contact their state workers compensation board (because it differs state to state)  for specifics about coverage.Some states exempt certain categories of workers, such as agricultural employees, seasonal employees, domestic employees, and independent contractors, from their workers' compensation systems. Other states require coverage only if an employer employs a minimum number of employees. Whether a person is entitled to workers' compensation benefits or not that person should contact an experienced workers' compensation authority of the area.

B. What does an employee receive if she is injured on the job?

Ans. When an employee is injured in workplace or on duty doing the job then the employee could get the benfit depending on the nature and extent of injuries and these injuries are examied by third party whether that person will be eligibile for any compensation or not. This injury report are prepared by supervisor it is send to the risk management authorities. After this risk management will give workers compensation claim form. After investigating the injuries the workers are given the benefits for injuries. The benefits are

i) Wage replacement benefits ,ii) Medical treatment , iii) Vocational rehabilitation , iv) Other benefits

C. Who pays for insurance?

Ans. Workers’ compensation benefits are paid by the employers of the state. Worker's compensation stems vary from state to state, but employers pay for workers’ compensation typically in one of three ways: premiums to a state-run insurance program, payments to an insurance company, or directly to workers. If a person is receiving benefits, the company from which the person gets benefits may or may not be that person's employer. It may be the state government, the insurance company or her employer, or a third party administrator hired by the employer to be responsible for workers’ compensation claims.

D. At present the college authority will take the responsibility. The injured athlities are entitled to get the benfits from the college authorities. If it is insured under certain agency then that insurance agency would be responsible for giving the benefit.

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