Key Point 8-07.01. All states have enacted workers compensation laws to provide benefits to employees who are injured or become ill in the course of their employment. Benefits generally are financed through insurance premiums paid by employers. Workers compensation laws were enacted to give injured workers a quicker, less costly, and more certain recovery than was possible by suing an employer directly for negligence. Prior to the general acceptance of workers compensation statutes in the early part of the twentieth century, injured employees were often unsuccessful in collecting damages from their employers. When they did collect, the awards were sometimes so high that they threatened the solvency of the employer. In every case, the costs to the injured employee of suing an employer were high. Churches are subject to workers compensation laws in most states.
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