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Typically, an employer’s workers’ compensation insurance carrier covers medical expenses related to a work-related injury or illness. This coverage generally eliminates the need for employees to utilize their private health insurance for treatment stemming from such incidents. For example, if an employee suffers a back injury while performing their job duties, the workers’ compensation insurer would typically cover the costs of medical treatment, physical therapy, and any necessary prescription medications.

This system provides significant benefits to both employees and employers. Employees gain access to necessary medical care without incurring out-of-pocket expenses or utilizing their personal health insurance benefits. This protection ensures prompt medical attention and facilitates a smoother recovery process. For employers, workers’ compensation insurance helps mitigate the risk of potential lawsuits and provides a structured system for managing workplace injuries and illnesses. Historically, this framework arose from the need to balance the rights and responsibilities of both parties in the context of workplace hazards. It shifted the burden of occupational injury costs from the employee to the employer, creating a more equitable system.

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