A workers' compensation policy is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries or illnesses. If death results, benefits are payable to your surviving spouse and dependents. While the federal government provides a workers’ compensation program for federal employees, each state has its own laws and programs for workers’ compensation.
In general, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault. In exchange for these protections, employees usually forfeit the right to sue the employer.
