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Principles of Risk Management and Insurance, 13th Edition by Michael McNamara, George E. Rejda

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Workers Compensation

Workers compensation is a social insurance program that provides medical care, cash benefits, and rehabilitation services to workers who are injured or sick from job-related accidents or disease. The benefits are extremely important in reducing the economic insecurity that may result from a job-related disability.

Development of Workers Compensation

Under the common law of industrial accidents, dating back to 1837, workers injured on the job had to sue their employers and prove negligence before they could collect damages. However, an employer could use three common law defenses to defeat lawsuits from injured workers:

  • Contributory negligence doctrine

  • Fellow-servant doctrine

  • Assumption-of-risk doctrine

Under the contributory ...

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