What Does Workers Compensation Cover

Workers’ compensation was established in California in 1911 as a no fault insurance system for on the job injuries. In exchange for the employer providing prompt medical treatment and benefits regardless of who was at fault, the employee gave up their right to bring a case in Superior Court for personal injury damages and full compensation. This was referred to as the “Compensation Bargain.” You were not there in 1911 to strike this bargain. Nevertheless, it is the law we have to work with.

If an injury or exposure at work contributes to a need for medical treatment with time off from work, it is likely that you have a workers’ compensation claim.

Injuries can be specific, such as a fall, trip, or lifting a heavy object or other accident.

Injuries can occur over time, such as exposure to noise, dust, or repetitive physical work.

The new permanent impairment rating system breaks down the body into many different parts than was true of the old system. Therefore, you must be as detailed in your description and reporting of your injuries as possible.

It is important to note that all permanent impairment must be proved by objective medical evidence such as x-rays, MRI’s, surgical procedures, as well as other tests and evidence. Complaints of pain alone without objective support will result in a very low or no rating under the new impairment rating system.