Workers' Compensation 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 tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain".
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. These laws were first enacted in Europe and Oceania, with the United States following shortly thereafter.
Our goal is to ensure that anyone interested or involved in the workers' compensation system has the tools and resources they need to participate. We assist injured workers, employers, health care providers, and insurers in following the workers’ compensation rules and laws. While the Division is not responsible for adjusting any claims, we are a resource to help ensure that claims are being adjusted and reimbursed properly.