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10 Common Myths About Workers’ Compensation Insurance Debunked for HR Professionals
- Workers' compensation insurance covers more than just workplace injuries, including illnesses and injuries caused by work itself.
- It is an investment that protects organizations from lawsuits and ensures employees receive necessary medical care.
- Even office workers can benefit from workers' compensation due to injuries like slips, falls, or carpal tunnel syndrome.
- Independent contractors may not always be exempt from workers' compensation, and misclassifying them can lead to legal issues.
- Instances of workers' compensation fraud are relatively rare, with only 1-2% of claims being fraudulent.
- Small businesses are often legally required to have workers' compensation coverage, with options available that are affordable.
- Employers do not need to prove negligence to receive benefits; workers' compensation operates on a no-fault structure.
- Filing workers' compensation claims can actually strengthen relationships by showing support and care for employees.
- Workers' compensation policies can be tailored to suit specific professions, business sizes, and operations.
- Most workers' compensation claims do not result in lawsuits, as the system aims to provide care and support without intense legal battles.
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