{"id":4669,"date":"2016-04-04T10:47:37","date_gmt":"2016-04-04T15:47:37","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/smallbusiness\/employment-law-and-human-resources\/benefits-for-injured-employees.html"},"modified":"2024-06-06T05:39:11","modified_gmt":"2024-06-06T10:39:11","slug":"benefits-for-injured-employees","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/smallbusiness\/employment-law-and-human-resources\/benefits-for-injured-employees.html","title":{"rendered":"What Benefits Does Workers’ Comp Provide?"},"content":{"rendered":"\n
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What Benefits Does Workers' Comp Provide?<\/h1>\n
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\n By Susan Buckner, J.D.<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last updated\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Unlike health insurance, an employee benefit offered by the employer to the employee, workers’ compensation insurance is a business expense. Employers must provide workers’ comp benefits for their workers even if they have other health insurance plans.<\/p>\r\n

Workers’ comp coverage<\/a>\u00a0includes all medical benefits that\u00a0health insurance<\/a>\u00a0might cover at no cost to the worker.<\/p>\r\n

All states except Texas require workers’ compensation. A workers’ comp policy aims to provide workers with immediate access to health care, even if it is due to the worker’s negligence. Small-business owners are not exempt from workers’ comp requirements. Depending on state laws, even those with one employee must provide workers’ compensation coverage.<\/p>\r\n

See FindLaw’s\u00a0Workers’ Compensation Basics<\/a>\u00a0sections for more articles and resources.<\/p>\r\n

Medical Care<\/h2>\r\n

Workers’ comp insurance covers all\u00a0work-related injuries<\/a>\u00a0and illnesses. Injured workers must receive all necessary medical treatment ordered by their doctor. Depending on state laws, the employer may require employees to see a company doctor or a physician designated by the insurance company. Medical care includes:<\/p>\r\n