What Is California Workers’ Compensation & Why Should I Care?

1. What Is California Workers’ Compensation & Why Should I Care? California workers’ compensation is a no-fault system in accordance with any injuries suffered while conducting your job, regardless of the injury, disease, or disability. Prior to hiring, your employer is required to pay for a Workers’ Compensation Insurance policy that covers all employees. Workers’ compensation insurance is an agreement between an employer and its workers, binding the two if a work injury were to ever occur. This policy normally does not include injuries sustained on the way to or from work. A workers’ compensation insurance agreement ensures the employer will cover any wage replacement and medical benefits for employees injured on the job in exchange for, “mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.” This compromise in which the worker has either limited medical coverage or zero recourse action is commonly referred to as “the compensation bargain.” This bargain helped put an end to employers being bankrupted by high damage awards and settlements. Continue Reading