Workers’ Compensation Program

A legally mandated insurance program that provides financial and medical benefits to employees who are injured or become ill while performing job-related duties.

 

Compensability

The eligibility of an injury or illness for coverage under the workers’ compensation program, determined based on whether it occurred during the course of employment.

 

Claim Adjudication

The process of reviewing, evaluating, and deciding on the validity and compensation amount of a workers’ compensation claim.

 

Occupational Injury

An injury sustained by an employee while engaged in work-related activities, covered by workers’ compensation benefits.

 

Medical Benefits

Coverage for medical expenses related to the treatment and rehabilitation of work-related injuries or illnesses, including doctor visits, surgeries, and medications.

 

Indemnity Benefits

Compensation provided to employees to replace lost wages due to a work-related injury or illness, including temporary disability, permanent disability, and death benefits.

 

Return-to-Work Program

A structured plan to facilitate the return of injured or ill employees to the workforce through modified duties, accommodations, or rehabilitation services.

 

Impairment Rating

A percentage assigned to indicate the extent of permanent impairment resulting from a work-related injury, used to calculate permanent disability benefits.

 

Exclusive Remedy

The legal principle that workers’ compensation benefits are the sole remedy available to employees for work-related injuries, barring them from suing their employer in most cases.

 

Compensable Consequences

Secondary injuries or conditions that arise as a direct result of a compensable work-related injury, also eligible for coverage under the workers’ compensation program.