INTRODUCTION
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All states and
provinces require employers to pay benefits to employees with injuries
or illnesses arising out of and in the course of employment (except for
designated categories of employees). Benefits are scheduled in the laws,
which also generally prohibit an employee from suing the employer for
common law damages. Workers' compensation laws ensure that employees
receive adequate medical treatment and at least some compensation for
injuries suffered on the job; at the same time, the liability of
employers is limited. The basic categories of benefits are medical care,
partial reimbursement for income lost due to disability, rehabilitation
therapy if required, and survivors' benefits in case of an employee's
death.
Workers'
compensation insurance (WC) - U.S.
Insurance that
covers an employer's responsibility to compensate injuries, illnesses,
disabilities or death of employees, as prescribed by state workers'
compensation laws; coverage provided by Part I (prior to 1986, section
A) of the standard workers' compensation policy (NCCI form WC 00 00
00A). The insurance ordinarily covers legally imposed employers'
liability for medical and surgical treatment, disability benefits,
rehabilitation therapy, and survivors' death benefits.
Employers'
liability insurance - U.S.
Insurance that
covers an employer's liability for bodily injury to employees occurring
within the scope of their employment when that liability is not covered
by workers' compensation. Primary coverage is provided by Part II
(before 1986, Section B) of a workers' compensation policy, usually for
a limit of $1 million. Self-insured employers are normally covered by an
endorsement to their general liability policy. Excess coverage can be
provided under most umbrella and excess liability policies. Employers'
liability coverage can be added to a workers' compensation policy issued
for specific states to provide coverage in additional states, including
monopolistic states, by endorsement (NCCI form WC 00 03 03B).
Aggregate excess workers' compensation
insurance - U.S. & Canada
Insurance coverage for organizations that self-insure their workers'
compensation benefits. It indemnifies the insured for claims in excess
of a specific annual aggregate retention. The coverage places a cap on
the maximum amount the insured will have to pay during a twelve-month
period. Coverage (i.e., who is covered, what accidents are covered,
etc.) is based on the insurance provided by standard workers'
compensation
SOFTWARE
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CANADA
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U.S.A.
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