If your business has employees, you should explore state and federal programs that protect them in a variety of circumstances:
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Wage replacement benefits
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Medical treatment
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Vocational rehabilitation
Federal and state programs also provide benefits to employees or their dependents who are injured at work or acquire an occupational disease.
State Requirements
Businesses with employees are required to carry Workers' Compensation Insurance coverage through a commercial carrier, on a self-insured basis, or through a state Workers' Compensation Insurance program. Visit your state's agency to find out more about your requirements as an employer.
Arkansas Workers' Compensation
California Workers' Compensation
Colorado Workers' Compensation
Connecticut Workers' Compensation
Delaware Workers' Compensation
District of Columbia Workers' Compensation
Illinois Workers' Compensation
Kentucky Workers' Compensation
Louisiana Workers' Compensation
Maryland Workers' Compensation
Massachusetts Workers' Compensation
Michigan Workers' Compensation
Minnesota Workers' Compensation
Mississippi Workers' Compensation
Missouri Workers' Compensation
Nebraska Workers' Compensation
New Hampshire Workers' Compensation
New Jersey Workers' Compensation
New Mexico Workers' Compensation
New York Workers' Compensation
North Carolina Workers' Compensation
North Dakota Workers' Compensation
Oklahoma Workers' Compensation
Pennsylvania Workers' Compensation
Puerto Rico Workers' Compensation
Rhode Island Workers' Compensation
South Carolina Workers' Compensation
South Dakota Workers' Compensation
Tennessee Workers' Compensation
U.S. Virgin Islands Workers' Compensation
Virginia Workers' Compensation
Washington Workers' Compensation
West Virginia Workers' Compensation
Wisconsin Workers' Compensation
Federal Programs
The Department of Labor's Office of Workers' Compensation Programs (OWCP) administers two major disability compensation programs that provide benefits to specific types of employee groups. If your businesses employs one of these groups, you may be subject to additional Workers' Compensation requirements.
Coal Mining: Black Lung Benefits
The Black Lung Benefits Act (BLBA) provides monthly payments and medical benefits to coal miners totally disabled from pneumoconiosis (black lung disease) arising from their employment in or around the nation's coal mines. The Act also provides monthly benefits to a miner's dependent survivors.
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Black Lung Benefits Act: Compliance Guide
Explains procedures for processing black lung benefit claims. -
Coal Mine Operators and Insurance Carriers: Compliance Assistance
Assists employers with compliance outlined by BLBA. The Act requires each coal mine operator to secure the payment of its benefits liability by either qualifying as a self-insurer or by purchasing and maintaining in force a commercial insurance contract (including a policy or contract procured from a State agency). -
Coal Mine Workers' Compensation Forms
Provides online forms related to implementation of the Black Lung Benefits Act.
Longshore and Harbor Workers' Compensation
The Longshore and Harbor Workers' Compensation Act provides employment-injury and occupational-disease protection to workers who are injured or contract occupational diseases occurring on the navigable waters of the United States, or in adjoining areas, and for certain other classes of workers covered by extensions of this Act.
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Longshore and Harbor Workers' Compensation Information
Includes compliance assistance materials, fact sheets, and applicable laws and regulations. -
Longshore and Harbor Workers' Compensation FAQs
Provides information on medical benefits, compensation, claims and insurance requirements under the Longshore and Harbor Workers' Compensation Act.
