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Workers Compensation is necessary because an employee who is injured at his / her job can collect medical benefits, salary & scheduled bodily injury compensation while he / she is hurt without having to sue his / her employer first and prove negligence in order to get compensated. Workers Compensation is meant to be insurance to help the employee while injured until he / she is able to return to work. Without this insurance, employees would have to sue their employers (with money they don't have) and win before getting compensated. This form of 'no-fault' insurance for injured employees was supposed be an 'exclusive remedy' between employee and employer. Unfortunately, attorneys have intervened in the process and added extra costs and problems to the system.

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14y ago

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