Workers' compensation is a necessary privilege because it comes to their rescue at the time of need. It offers medical care as well as a portion of salary for sickly workers who have been hurt at work. According to Dillender, and Hunt (2017), without this, they would have to suffer at home alone with no job, money or ability to secure employment. It is a necessary bureaucracy that can only be better understood by those who have been in the position of those workers who need it. Workers' compensation varies by state or union and entails a different arrangement from insurance. Many organizations opt to offer an insurance cover for health and accidents while at work (Dillender, & Hunt, 2017). This is more prudent for the organization because it is cheaper and is run by insurance experts who can investigate fraud and enforce their policies better. There have been many cases where fraudulent workers pretend to be hurt in a bid to unethically consume organizational funds.
Insurance benefits and other similar luxurious packages are mainly available for permanent workers. The casual, undocumented and cheaply compensated workers are rarely included in insurance packages. When injured, they suffer a lot, and many end up suing and having a conflict with the company. In such cases, it is critical for the workers' compensation to be there, to dictate how much they should get (Dillender, & Hunt, 2017). The workers' compensation is not mere bureaucracy but a very important financial relief for the hurt and the injured, which can also save the company from legal action. Above all, in case of legal action, it is the workers' compensation that dictates the payments.
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References
Dillender, M., & Hunt, H. A. (2017). The Current State of Workers' Compensation: Benefit Adequacy, Return to Work, and Prevention. Employment Research Newsletter, 24(3), 1.
