March 2016
Intermediate to advanced
700 pages
144h 54m
English
Content preview from Principles of Risk Management and Insurance, 13th EditionBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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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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