Answer both questions 400 words with credible references. Text attached. Question A Many organizations are concerned about the rising cost of employee benefits and question their value to the organiza

Therefore, specific laws vary with each jurisdiction. For example, each state has dif ferent regulations governing the amount and duration of lost income benefits, including provisions for medical and rehabilitation services and how the state system is administered. W orkers’ compensation laws also provide death benefits to surviving spouses and dependent.

Workers’ compensation insurance covers workers injured on the job, whether injured on the workplace premises, elsewhere, or in an auto accident while on business. It does not matter if the employee was at fault. In addition, workers that collect compensation cannot sue their employers for their injuries unless gross negligence by the employer led to the injury or the employer lacked the level of insurance required by law . Workers’ compensation insurance also covers certain work-related illnesses. Before any workers’ compensation claim will be allowed, the work-relatedness of the disability must be established. Also, the evaluation of the claimant by a physician trained in occupational medicine is an essential part of the claim process.

While employers in all states pay “workers’ comp” insurance, the amount they pay—through payroll taxes—varies. Like with unemployment insurance rates, the rate an employer pays depends upon its experience rating, which is based on various factors including the company’ s frequency and severity of employee injuries (referred to as the company’ s experience rating). Not surprisingly, organizations will strive to have good safety records (see Chapter 12 on creating a safe work environment) in order to pay a lower payroll tax rate. Chapter 11: Employee Benefits: 1 1.2c Workers’ Compensation Insurance Book T itle: Managing Human Resources Printed By: Cedric T urner ([email protected]) © 2016 Cengage Learning, Cengage Learning © 2020 Cengage Learning Inc. All rights reserved. No part of this work may by reproduced or used in any form or by any means - graphic, electronic, or mechanical, or in any other manner - without the written permission of the copyright holder .