1. Workers' compensation insurance provides benefits to employees for:

Job-related injuries and occupational diseases

Workers' compensation covers injuries and illnesses arising out of and in the course of employment.

2. Workers' compensation is generally a no-fault system, which means benefits are paid:

Regardless of who was at fault for the work injury

Workers' compensation pays benefits for covered work injuries without regard to fault.

3. Under the exclusive remedy concept, workers' compensation generally:

Is the employee's sole remedy against the employer for a covered work injury

The exclusive remedy doctrine generally makes workers' compensation the employee's sole remedy against the employer for covered injuries.

4. Workers' compensation benefits typically include:

Medical care and a portion of lost wages

Workers' compensation generally provides medical care and partial wage replacement, plus other statutory benefits.