Editing Workers' compensation

{{short description|Form of insurance}}
{{Use dmy dates|date=August 2021}}
{{Use British English|date=August 2016}}
[[File:Pipe installation 2.jpg|thumb|right|240px|Dangerous tasks are common in the construction workplace.]]
'''Workers' compensation''' or '''workers' comp''' is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the [[tort]] of [[negligence]].

The trade-off between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain.” One of the problems that the compensation bargain solved is the problem of employers becoming insolvent as a result of high damage awards. The system of collective liability was created to prevent that and thus to ensure security of compensation to the workers.

While plans differ among jurisdictions, [[Provision (contracting)|provision]] can be made for weekly payments in place of wages (functioning in this case as a form of [[disability insurance]]), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of [[health insurance]]), and benefits payable to the dependents of workers killed during employment.

General damage for [[pain and suffering]] and [[punitive damages]] for employer negligence are generally not available in workers' compensation plans, and negligence is generally not an issue in the case.

== Origin and international comparison ==
Laws regarding workers compensation vary, but the Workers' Accident Insurance system put into place by Prussian Chancellor [[Otto von Bismarck]] in 1884 with the start of Workers' Accident Laws is often cited as a model for the rest of Europe and, later, the United States.<ref>Karmel, ''Dying to Work:  Death and Injury in the American Workplace'' (2017), 180.</ref> After the early Prussian experiments, the development of compensation laws around the world was in important respects the result of transnational networks among policymakers and social scientists. Thus while different countries have their own unique history of workers' compensation, compensation laws developed around the world as a global phenomenon, with each country's deliberation on compensation laws being informed by deliberation in other countries.<ref>Rodgers, ''Atlantic Crossings: Social Politics in a Progressive Age'' (2009), 209-266.</ref>

=== Statutory no-fault compensation ===
Workers' compensation statutes are intended to eliminate the need for litigation and the limitations of common law remedies by having employees give up the potential for pain- and suffering-related awards in exchange for not being required to prove [[tort]] (legal fault) on the part of their employer. The laws provide employees with monetary awards to cover loss of wages directly related to the accident as well as to compensate for permanent physical impairments and medical expenses.

The laws also provide benefits for dependents of those workers who are killed in work-related accidents or illnesses. Some laws also protect employers and fellow workers by limiting the amount an injured employee can recover from an employer and by eliminating the liability of co-workers in most accidents. In the United States, state statutes establish this framework for most types of employment, while federal statutes are limited to federal employees or to workers employed in some significant aspect of interstate commerce.<ref>{{cite web|url=https://www.law.cornell.edu/wex/workers_compensation|title=Workers' Compensation|last=Legal Information Institute|publisher=Cornell University Law School|archive-url=https://web.archive.org/web/20140205074742/http://www.law.cornell.edu/wex/workers_compensation|archive-date=5 February 2014|url-status=live|access-date=7 February 2014}}</ref>

The exclusive remedy provision states that workers' compensation is the sole remedy available to injured workers, thus preventing employees from also making tort liability claims against their employers.

=== Common law remedies ===
In common law nations, the system was motivated by an "unholy trinity" of tort defenses available to employers, including contributory negligence, assumption of risk, and the fellow servant rule.<ref>{{Cite journal|last=Haupt|first=Mary Kati|date=2016|title=Workers' Compensation Law & the Remedial Waiver|url=https://lawpublications.barry.edu/barrylrev/vol21/iss2/4/|journal=Barry Law Review|language=en|volume=21|issue=2}}</ref>

Common law imposes obligations on employers to provide a safe workplace, provide safe tools, give warnings of dangers, provide adequate co-worker assistance (fit, trained, suitable "fellow servants") so that the worker is not overburdened, and promulgate and enforce safe work rules.<ref name="hood">J. Hood, B. Hardy, and L. Simpson. ''Workers' Compensation and Employee Protection Laws'' (St. Paul: West Academic Publishing, 2017).</ref>

Claims under the common law for worker injury are limited by three defenses afforded employers:

* The Fellow Servant Doctrine is that employer can be held harmless to the extent that injury was caused in whole or in part by a peer of the injured worker.
*Contributory negligence allows an employer to be held harmless to the extent that the injured employee failed to use adequate precautions required by ordinary prudence.
*Assumption of risk allows an employer to be held harmless to the extent the injured employee voluntarily accepted the risks associated with the work.<ref name="hood" />

==By nation==

===Australia===
As Australia experienced a relatively influential [[Australian labour movement|labour movement]] in the late 19th and early 20th century, statutory compensation was implemented very early in Australia. Each territory has its own legislation and its own governing body.

A typical example is [[WorkSafe Victoria|Work Safe Victoria]], which manages Victoria's workplace safety system. Its responsibilities include helping employees avoid workplace injuries occurring, enforcing Victoria's occupational and safety laws, providing reasonably priced workplace injury insurance for employers, assisting injured workers to return to the workforce, and managing the workers' compensation scheme by ensuring the prompt delivery of appropriate services and adopting prudent financial practices.<ref>About WorkSafe Victoria – WorkSafe Victoria is the manager of Victoria's workplace safety system.

Broadly, the responsibilities of WorkSafe are the following:
    * help avoid workplace injuries occurring
    * enforce Victoria's occupational health and safety laws
    * provide reasonably priced workplace injury insurance for employers
    * help injured workers back into the workforce
    * manage the workers' compensation scheme by ensuring the prompt delivery of appropriate services and adopting prudent financial practices.
</ref>

Compensation law in New South Wales has recently (2013) been overhauled by the state government. In a push to speed up the process of claims and to reduce the amount of claims, a threshold of 11% WPI (whole person impairment) was implemented for physical injuries and 15% for psychiatric injuries<ref>{{Cite book|last=WorkCover NSW.|title=WorkCover guidelines for the evaluation of permanent impairment.|date=2009|publisher=WorkCover NSW|isbn=978-1-74218-027-4|oclc=619680938}}</ref>

Workers' compensation regulators for each of the states and territories are as follows:<ref>{{cite web |url=http://www.hcalawyers.com.au/australian-labour-law/ |title=Australian Labour Law |publisher=Henry Carus & Associates |access-date=8 July 2013 |url-status=live |archive-url=https://web.archive.org/web/20131028052732/http://www.hcalawyers.com.au/australian-labour-law/ |archive-date=28 October 2013 }}</ref>
* [[Australian Capital Territory]] – Work Safe Act
* [[New South Wales]] – State Insurance Regulatory Authority (formerly WorkCover NSW)
* [[Northern Territory]] – NT Work Safe
* [[Queensland]] – The Workers' Compensation Regulator (formerly Q-COMP)
* [[South Australia]] – ReturnToWork SA (from 1 July 2015)
* [[Tasmania]] – WorkCover Tasmania
* [[Victoria (state)|Victoria]] – WorkSafe Victoria
* [[Western Australia]] – WorkCover WA

Every employer must comply with the state, territory or commonwealth legislation, as listed below, which applies to them:
* Federal legislation – Safety, Rehabilitation and Compensation Act 1988<ref>{{cite web |url=http://www.austlii.edu.au/au/legis/cth/consol_act/sraca1988368/ |title=Safety, Rehabilitation and Compensation Act 1988 |access-date=2016-03-05 |url-status=live |archive-url=https://web.archive.org/web/20160229110008/http://www.austlii.edu.au/au/legis/cth/consol_act/sraca1988368/ |archive-date=29 February 2016 }}</ref> 
*New South Wales – [[Workers Compensation Act 1987]]<ref>{{Cite web |url=http://www.legislation.nsw.gov.au/fullhtml/inforce/act+70+1987+FIRST+0+N |title=Wayback Machine has not archived that URL. |access-date=5 March 2016 |archive-date=18 January 2017 |archive-url=https://web.archive.org/web/20170118085234/http://www.legislation.nsw.gov.au/fullhtml/inforce/act+70+1987+FIRST+0+N |url-status=dead }}</ref> and the Workplace Injury Management and Workers Compensation Act 1998<ref>{{cite web |url=http://www.legislation.nsw.gov.au/fullhtml/inforce/act+86+1998+FIRST+0+N |title=Workplace Injury Management and Workers Compensation Act 1998 No 86 |access-date=2016-03-05 |url-status=live |archive-url=https://web.archive.org/web/20100303111911/https://legislation.nsw.gov.au/fullhtml/inforce/act+86+1998+FIRST+0+N |archive-date=2010-03-03 }}</ref>
*Northern Territory – Work Health and Safety (National Uniform Legislation) Regulations<ref>{{cite web |url=http://www.austlii.edu.au/au/legis/nt/num_reg/whasulr59o2011652/ |title=Work Health and Safety (National Uniform Legislation) Regulations (No 59 of 2011) |access-date=2016-03-05 |url-status=live |archive-url=https://web.archive.org/web/20160307125736/http://www.austlii.edu.au/au/legis/nt/num_reg/whasulr59o2011652/ |archive-date=7 March 2016 }}</ref>
*Australian Capital Territory – Workers Compensation Act 1951<ref>{{cite web|url=http://www.legislation.act.gov.au/a/1951-2/default.asp|title=ACT legislation register – Workers Compensation Act 1951 – main page|publisher=Australian Capital Territory |website=www.legislation.act.gov.au|access-date=4 May 2018|url-status=live|archive-url=https://web.archive.org/web/20180320033852/http://www.legislation.act.gov.au/a/1951-2/default.asp|archive-date=20 March 2018}}</ref>
*Queensland – Workers Compensation and Rehabilitation Act 2003<ref>{{cite web |url=http://www.austlii.edu.au/au/legis/qld/consol_act/wcara2003400/ |title=Workers' Compensation and Rehabilitation Act 2003 |access-date=2016-03-05 |url-status=live |archive-url=https://web.archive.org/web/20160304163726/http://www.austlii.edu.au/au/legis/qld/consol_act/wcara2003400/ |archive-date=4 March 2016 }}</ref>
*South Australia – Workers Rehabilitation and Compensation Act 1986<ref>{{cite web|url=https://www.legislation.sa.gov.au/lz/c/a/workers+rehabilitation+and+compensation+act+1986.aspx|title=South Australian Legislation|website=www.legislation.sa.gov.au|access-date=4 May 2018|url-status=live|archive-url=https://web.archive.org/web/20180407013623/https://legislation.sa.gov.au/LZ/C/A/WORKERS%20REHABILITATION%20AND%20COMPENSATION%20ACT%201986.aspx|archive-date=7 April 2018}}</ref>
*Tasmania – Workers Rehabilitation and Compensation Act 1988<ref>{{cite web|url=http://www.austlii.edu.au/au/legis/tas/consol_act/wraca1988400/|title=WORKERS REHABILITATION AND COMPENSATION ACT 1988|website=www.austlii.edu.au|access-date=4 May 2018|url-status=live|archive-url=https://web.archive.org/web/20170525002151/http://www.austlii.edu.au/au/legis/tas/consol_act/wraca1988400/|archive-date=25 May 2017}}</ref>
*Victoria – Workplace Injury Rehabilitation and Compensation Act 2013<ref>{{Cite web|url=http://www.austlii.edu.au/au/legis/vic/consol_act/wiraca2013484/|title=WORKPLACE INJURY REHABILITATION AND COMPENSATION ACT 2013|website=www.austlii.edu.au|access-date=2016-09-26|url-status=live|archive-url=https://web.archive.org/web/20160927170931/http://www.austlii.edu.au/au/legis/vic/consol_act/wiraca2013484/|archive-date=27 September 2016}}</ref> 
*Western Australia – Workers Compensation and Injury Management Act 1981<ref>{{cite web |url=http://www.austlii.edu.au/au/legis/wa/consol_act/wcaima1981445/ |title=Workers' Compensation and Injury Management Act 1981 |access-date=2016-03-05 |url-status=live |archive-url=https://web.archive.org/web/20160304171513/http://www.austlii.edu.au/au/legis/wa/consol_act/wcaima1981445/ |archive-date=4 March 2016 }}</ref>

===Brazil===
The National Social Insurance Institute (in Portuguese, [[Instituto Nacional do Seguro Social]] – INSS) provides insurance for those who contribute. It is a public institution that aims to recognize and grant rights to its policyholders. The amount transferred by the INSS is used to replace the income of the worker taxpayer when he or she loses the ability to work due to sickness, disability, age, death, [[involuntary unemployment]], or even pregnancy or imprisonment. During the first 15 days, the worker's salary is paid by the employer. After 15 days, the salary is paid by the INSS, as long as the employee is unable to work. Although the worker's income is guaranteed by the INSS, the employer is still responsible for any loss of working capacity, temporary or permanent, when found negligent or when its economic activity involves risk of accidents or developing labour-related diseases.

===Canada===
Workers' compensation was Canada's first social program to be introduced as it was favoured by both workers' groups and employers hoping to avoid lawsuits. The system arose after an inquiry by Ontario Chief Justice [[William Ralph Meredith|William Meredith]], who outlined a system in which workers were to be compensated for workplace injuries if they gave up their right to sue their employers. It was introduced in the various provinces at different dates. Ontario and Nova Scotia were first and second in 1915, Manitoba in 1916, British Columbia in 1917, Alberta and New Brunswick in 1918, and Saskatchewan adopted the program in 1930. It remains a provincial responsibility, and thus the rules vary from province to province. In some provinces, such as in Ontario's [[Workplace Safety and Insurance Board]], the program also has a preventative role ensuring workplace safety. In British Columbia, the occupational health and safety mandate (including the powers to make regulation, inspect and assess administrative penalties) is legislatively assigned to the Workers' Compensation Board of British Columbia ([[WorkSafeBC]]). In most provinces, the workers' compensation board or commission remains concerned solely with insurance. The workers' compensation insurance system in every province is funded by employers based on their payroll, industry sector, and history of injuries (or lack thereof) in their workplace (usually referred to as "experience rating").

===Germany===
{{main|Worker's compensation (Germany)}}

The German worker's compensation law of 6 July 1884,<ref>''An Act for Insurance Against Accidents'', 6 July 1884, translated and
reprinted in F.W. Taussig, Workmen's Insurance in Germany, 2 Q. J. ECON. 111
app. at 121–28 (1887)</ref> initiated by Chancellor [[Otto von Bismarck]],<ref>{{Cite web|url=http://www.dol.gov/oasam/programs/history/osha.htm|archive-url=https://web.archive.org/web/20090510074427/https://www.dol.gov/oasam/programs/history/osha.htm|url-status=dead|title=US Dept. of Labor, ''The Job Safety Law of 1970: Its Passage Was Perilous''|archive-date=10 May 2009}}</ref><ref name="GERMAN HISTORY">Holborn, Hajo: ''A History of Modern Germany – 1840–1945'': [[Princeton University Press]]; 1969; pp. 291–93.</ref> was passed only after three attempts and was the first of its kind in the world.<ref>{{cite web|url=http://www.munichre.com/en/ts/workers_compensation/history_of_workers_compensation_insurance_in_germany/default.aspx|title=Munich Re – History of workers' compensation insurance in Germany<!-- Bot generated title -->|website=munichre.com|access-date=4 May 2018|url-status=live|archive-url=https://web.archive.org/web/20080331102206/http://www.munichre.com/en/ts/workers_compensation/history_of_workers_compensation_insurance_in_germany/default.aspx|archive-date=31 March 2008}}</ref> Similar laws passed in Austria in 1887, Norway in 1894, and Finland in 1895.<ref>{{Cite web|url=http://www.washburnlaw.edu/publications/wlj/index.html|archive-url=https://web.archive.org/web/20100527184442/http://www.washburnlaw.edu/wlj/39-3/articles/magnus-ulrich.pdf|url-status=dead|title=Washburn Law Journal|archive-date=27 May 2010|website=Washburn University School of Law}}</ref>

The law paid indemnity to all private wage earners and apprentices, including those who work in the agricultural and horticultural sectors and marine industries, family helpers and students with work-related injuries, for up to 13 weeks. Workers who are totally disabled get continued benefits at 67 per cent after 13 weeks, paid by the accident funds, financed entirely by employers.

The German compensation system has been taken as a model for many nations.

=== India ===
The Workmen's Compensation Act 1923<ref name="auto">{{cite web|url=http://labour.gov.in/sites/default/files/TheWorkmenAct1923(1).pdf |archive-url=https://web.archive.org/web/20230323083745/https://labour.gov.in/sites/default/files/TheWorkmenAct1923(1).pdf| title=THE WORKMEN'S COMPENSATION ACT, 1923|access-date=2023-09-22|archive-date=2023-03-23}}</ref> was introduced on 5 March 1923. It includes employer's liability compensation and amount of compensation and covers employees under the Workmen Compensation Act, the Fatal Accident Act and common law. Amended by The Employee’s Compensation (Amendment) Act, 2017

===Italy===
In Italy, workers' compensation insurance is mandatory and is provided by the ''[[Istituto nazionale per l'assicurazione contro gli infortuni sul lavoro]]''.<ref>{{Cite web |title=Istituto Nazionale per l'Assicurazione contro gli Infortuni sul Lavoro {{!}} Healthy Workplaces - Safe and healthy work in the digital age 2023-2025 |url=https://healthy-workplaces.osha.europa.eu/en/campaign-partners/istituto-nazionale-lassicurazione-contro-gli-infortuni-sul-lavoro |access-date=2024-04-02 |website=healthy-workplaces.osha.europa.eu}}</ref>

===Japan===
{{main|Workers' accident compensation insurance (Japan)}}
[[Workers' accident compensation insurance (Japan)|Workers' accident compensation insurance]] is paired with [[unemployment insurance (Japan)|unemployment insurance]] and referred to collectively as [[labor insurance (Japan)|labour insurance]].<ref>JETRO website [http://www.jetro.go.jp/en/invest/setting_up/laws/section4/page9.html 4.9.1 Labor and social insurance systems] {{webarchive|url=https://web.archive.org/web/20120219163944/http://www.jetro.go.jp/en/invest/setting_up/laws/section4/page9.html |date=19 February 2012 }} Retrieved 16 June 2012</ref><ref>The Japan Institute for Labor Policy and Training [http://www.jil.go.jp/english/laborinfo/qa/costs4.htm Labor Costs] {{webarchive|url=https://web.archive.org/web/20130121194511/http://www.jil.go.jp/english/laborinfo/qa/costs4.htm |date=21 January 2013 }} Retrieved 16 June 2012</ref> Workers' accident compensation insurance is managed by the Labor Standards Office.<ref>General Union website [http://www.generalunion.org/law/workerscomp.htm#02 Workers' Accident Compensation Q&A] {{webarchive|url=https://web.archive.org/web/20110822082038/http://www.generalunion.org/law/workerscomp.htm |date=22 August 2011 }} Retrieved 17 June 2012</ref>

===Malaysia===
The Workmen's Compensation Act,  1952<ref>{{cite web|url=http://www.ilo.org/dyn/natlex/natlex4.detail?p_lang=en&p_isn=43905|title=Malaysia – Worker's Compensation Act, 1952 (Act 273).|website=www.ilo.org|access-date=4 May 2018}}</ref> is modelled on the United Kingdom's [[Workmen's Compensation Act 1906]]. Adopted before Malaysia's independence from the UK, it is now used only by non-Malaysian workers, since citizens are covered by the national social security scheme.

===Mexico===
The Mexican Constitution of 1917 defined the obligation of employers to pay for illnesses or accidents related to the workplace. It also defined social security as the institution to administer the right of workers, but only in 1943 was the [[Mexican Social Security Institute]] (IMSS) created.<ref>{{Cite web|url=http://www.imss.gob.mx/|title=Sitio Web del IMSS|website=www.imss.gob.mx}}</ref> IMSS manages the Work Risks Insurance in a vertically integrated fashion, including registration of workers and firms, collection, classification of risks and events, and medical and rehabilitation services. A reform in 1997 defined that contributions are related to the experience of each employer. Public sector workers are covered by social security agencies with corporate and operative structures similar to those of IMSS.<ref>{{Cite web |title=Occupational injuries - Organization responsible for the statistics |url=https://www.ilo.org/ilostat-files/SSM/SSM8/E/MX.html |access-date=2024-04-02 |website=www.ilo.org}}</ref><ref>{{Cite web |title=Entornos Laborales Seguros y Saludables ELSSA |url=https://www.issa.int/gp/243467 |access-date=2024-04-02 |website=International Social Security Association (ISSA) |language=en}}</ref>

=== New Zealand ===
In [[New Zealand]], all companies that employ staff and in some cases others, must pay a levy to the [[Accident Compensation Corporation]], a [[Crown entity]], which administers New Zealand's universal [[No-fault insurance|no-fault]] accidental injury scheme. The scheme provides financial compensation and support to citizens, residents, and temporary visitors who have suffered personal injuries.<ref>{{Cite web |title=Health & disability - Overview of the ACC scheme |url=https://communitylaw.org.nz/community-law-manual/chapter-19-accident-compensation-acc/overview-of-the-acc-scheme/ |access-date=2024-04-02 |website=Community Law |language=en}}</ref><ref>{{Cite web |date=April 2019 |title=New Zealand's universal no‑fault accident compensation scheme: Embedding community responsibility |url=https://www.researchgate.net/publication/332764971}}</ref>

===United Kingdom===
Great Britain followed the German model. [[Joseph Chamberlain]], leader of the Liberal Unionist party and coalition with the Conservatives, designed a plan that was enacted under the Salisbury government in 1897. The [[Workmen's Compensation Act 1897]] was a key domestic achievement, although it only covered certain named industries (eg railways, laundries). It served its social purpose at no cost to the government, since compensation was paid for by insurance which employers were required to take out. The system operated from 1897 to 1946.<ref>D. C. Hanes, ''The First British Workmen's Compensation Act of 1897'' (1968).</ref> It was expanded to include industrial diseases by the [[Workmen's Compensation Act 1906]] and replaced by a state compensation scheme under the [[National Insurance (Industrial Injuries) Act 1946]]. Since 1976, this state scheme has been set out in the UK's Social Security Acts.<ref>Peter W.J. Bartrip, ''Workmen's Compensation in Twentieth Century Britain: Law, History, and Social Policy'' (Gower, 1987).</ref>

Work related safety issues in the UK are supervised by the [[Health and Safety Executive]] (HSE), who provide the framework by which employers and employees are able to comply with statutory rules and regulations.<ref>{{cite web|url=http://www.hse.gov.uk/|title=HSE: Information about health and safety at work|website=www.hse.gov.uk|access-date=4 May 2018|url-status=dead|archive-url=https://web.archive.org/web/20180318033425/http://www.hse.gov.uk/|archive-date=18 March 2018}}</ref>

Employer duties enforced by the HSE include protecting the health and safety of workers at workplace, risk assessment and training of workers.<ref>{{Cite web|title=Employer's responsibilities: Workers' health and safety|url=https://www.hse.gov.uk/workers/employers.htm|access-date=2021-01-16|website=www.hse.gov.uk}}</ref> If an employer fails to fulfil these responsibilities, resulting in injury to an employee, then the employee has a legal right to make a workers' compensation claim against the employer and to sue their employer.<ref>{{Cite web |title=Who is responsible for workplace health and safety? |url=https://www.britsafe.org/training-and-learning/informational-resources/who-is-responsible-for-workplace-health-and-safety |access-date=2024-04-02 |website=British Safety Council |language=en-GB}}</ref>

With the exception of the following, all employers are obliged to purchase compulsory Employer's Liability Insurance in accordance with the [[Employer's Liability (Compulsory Insurance) Act 1969]]. The current minimum limit of indemnity required is £5,000,000 per occurrence.<ref>UK Government, [https://www.gov.uk/employers-liability-insurance Employers' liability insurance], accessed 20 September 2022</ref> Market practice is to usually provide a minimum £10,000,000 with inner limits to £5,000,000 for certain risks, e.g. workers on oil rigs and acts of terrorism.

These employers do not require Employer's Liability Insurance:
* local authorities (other than [[Civil parish|parish councils]])
* joint boards or committees whose members include members of local authorities
* police authorities
* nationalised industries or their subsidiaries
* certain bodies which are financed out of public funds
* employers of crews on offshore installations, ships or hovercraft, if they are covered instead with a mutual insurance association of ship owners or ship owners and others
* a health service body or [[NHS Trust]]<ref>Industrial engineering projects: practice and procedures for capital, By Joint Development Board (Great Britain), pp. 142–43 [https://books.google.com/books?id=7K8pSs_Y8WAC&pg=PA142 books.google.com]</ref>

"Employees" are defined as anyone who has entered into or works under a contract of service or apprenticeship with an employer. The contract may be for manual labour, clerical work or otherwise, it may be written or verbal and it may be for full-time or part-time work.

These persons are not classed as employees and, therefore, are exempt:
* persons who are not employees (for example independent contractors who are not the employees of the person engaging them)
* people employed in any activity which is not a business (such as domestic servants)
* people who are related to the employer – husband, wife, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother sister, half-brother or half-sister
* people who are not normally resident in the United Kingdom and who are working there for fewer than 14 consecutive days.

Employees need to establish that their employer has a legal liability to pay compensation. This will principally be a breach of a statutory duty or under the tort of negligence. If the employer is insolvent or no longer in existence, then compensation can be sought directly from the insurer under the terms of the [[Third Parties (Rights against Insurers) Act 2010]].

For the history of worker's compensation in the UK, see [[Workmen's Compensation Act 1897]] and following acts.<ref>Bartrip, ''Workmen's Compensation in Twentieth Century Britain: Law, History, and Social Policy'' (1987).</ref>

===United States===
{{Main|Workers' compensation (United States)}}
In the United States, some form of workers' compensation is typically compulsory for almost all employers in most states (depending upon the features of the organization), with the notable exception of [[Texas]] as of 2018.<ref>{{Cite web|url=https://www.employers.com/resources/blog/2014/is-workers-compensation-insurance-required-in-all-states|title=Is Workers' Compensation Insurance Required in all states| website=www.employers.com|language=en|archive-url=https://web.archive.org/web/20181124214945/https://www.employers.com/resources/blog/2014/is-workers-compensation-insurance-required-in-all-states|archive-date=2018-11-24|url-status=live|access-date=2018-11-24}}</ref> Regardless of compulsory requirements, businesses may purchase insurance voluntarily, and in the United States policies typically include Part One for compulsory coverage and Part Two for non-compulsory coverage.<ref>{{Cite web|url=https://www.irmi.com/term/insurance-definitions/workers-compensation-and-employers-liability-policy|title=Workers' Compensation and Employers Liability Policy {{!}} Insurance Glossary Definition {{!}} IRMI.com|website=www.irmi.com|access-date=2018-11-24}}</ref> In many states, employers that can prove they have sufficient funds to cover their workers' compensation liabilities are allowed to engage in [[self-insurance]], a term meaning forgoing the purchase of insurance.<ref>Holdren, ''Injury Impoverished: Workplace Accidents, Capitalism, and Law in the Progressive Era'' (2021), 186, 191-201.</ref> By 1949, every state had enacted a workers' compensation program.<ref>[https://eh.net/encyclopedia/workers-compensation/ eh.net Fishback] {{webarchive|url=https://web.archive.org/web/20170619023347/http://eh.net/encyclopedia/workers-compensation/ |date=19 June 2017 }} Includes extended data tables.</ref>

In most states, workers' compensation claims are handled by [[administrative law judge]]s, who often act as [[Trier of fact|triers of fact]].<ref>{{Cite journal|last=David B.|first=Torrey|date=2012|title=Master or Chancellor? The Workers' Compensation Judge and Adjudicatory Power|url=https://digitalcommons.pepperdine.edu/naalj/vol32/iss1/2/|journal=Journal of the National Association of Administrative Law Judiciary|language=en|volume=32|issue=1|issn=0735-0821}}</ref>

Workers' compensation statutes which emerged in the early 1900s were struck down as unconstitutional until 1911 when Wisconsin passed a law that was not struck down; by 1920, 42 states had passed workers' compensation laws.<ref name="tradeoff">{{Cite news|url=https://www.insurancejournal.com/blogs/academy-journal/2015/03/19/360273.htm|title=Workers' Compensation History: The Great Tradeoff!|date=2015-03-19|work=Insurance Journal|access-date=2018-11-24|language=en-US}}</ref>

==See also==
{{portalbar|Organized Labour}}
{{Div col}}
* [[Advocates for Injured Workers]] (AIW)
* ''[[Albro v. Agawam Canal Co.]]''
* [[Compensation of employees]]
* [[Experience modifier]]
* [[Federal Employers Liability Act]] (US)
* [[History of the United States (1865–1918)#Labor and management|History of the United States (1865–1918): Labor and management]]
* [[Independent medical examination]]
<!-- * [[Injury cover]] -->
* [[Labor power]]
* [[Labour law]]
* [[List of United States federal legislation]]
* [[List of United States insurance companies#Workers' compensation|List of US workers' compensation insurers]]
* [[Living wage]]
* [[National Council on Compensation Insurance]]
* [[Scaffold Law (New York)]]
* [[Subpoena duces tecum]]
* [[Transferable Skills Analysis]]
* [[Uninsured Employer]]
* [[Workingmen's Compensation Act (Kern–McGillicuddy Act)]] (US){{Div col end}}

==References==
{{reflist}}

==External links==
* [https://www.dol.gov/general/topic/workcomp United States Department of Labor]
* [http://www.ciwa.ca/ Canadian Injured Workers Alliance (CIWA)]
* [https://www.cdc.gov/niosh/topics/workercomp/cwcs/default.html Center for Workers' Compensation Studies] at the U.S. [[National Institute for Occupational Safety and Health]]
*{{Cite EB1911|wstitle=Employers' Liability and Workmen's Compensation|volume=9|pages=356–361}} This contains a detailed survey of the basis and international applications of the concept as of the early 20th century.
{{Employment|sp=uk}}
{{Insurance}}
{{Organized labor|sp=uk}}

{{Authority control}}

{{DEFAULTSORT:Workers' Compensation}}
[[Category:Workers' compensation| ]]
[[Category:Actuarial science]]
[[Category:Labour law]]
[[Category:United States labor law]]
[[Category:Social programs]]
[[Category:Trade unions]]
[[Category:Types of insurance]]

[[de:Unfallversicherung]]