1. Workers' compensation is generally the exclusive remedy for a job injury, meaning a covered employee usually:

Cannot also sue the employer in tort for the injury

Under the exclusive remedy rule, the employee receives statutory benefits instead of suing the employer in tort.

2. Workers' compensation benefits are generally payable:

Regardless of who was at fault for the injury

Workers' compensation is a no-fault system paying benefits for work-related injuries regardless of fault.

3. Workers' compensation coverage typically provides an injured worker with:

Medical care and disability income benefits

Workers' compensation provides medical care, disability income, rehabilitation, and death benefits.

4. Workers' compensation premiums are most commonly based on:

The employer's payroll and job classification codes

Workers' compensation premiums are based on payroll and classification codes reflecting the hazard of the work performed.