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Who pays the workers’ compensation? Is it paid by insurance, my employer, or as a part of public benefits?

In most workers’ compensation cases, the benefits paid out to the employee are paid by a workers’ compensation insurance company.  Most companies, depending on their size, are required to have workers’ compensation insurance coverage in case their employees are hurt. (LINK TO DOES MY COMPANY NEED WORKERS COMP INSURANCE)  When there is a workers’ compensation insurance policy in place, the insurance company, and not your employer, will be paying your benefits.  There are some limited exceptions to this rule, for example when a company is self-insured or when they are in violation of the law requiring them to have insurance coverage.  To determine what type of insurance monies are available to you, an attorney can review your claim.

Public benefits, such as SSDI (LINK TO WC vs SSDI) and unemployment (link to WC vs unemployment) are separate legal remedies that are provided by the government and are an entirely separate process from the workers’ compensation claims process.