Characteristics of Workers’ Compensation Plans
February 2, 2012
Workers compensation was established to provide injured employees compensation for their injuries and to protect employers from being liable for the injuries sustained by the employee. Two types of workers compensation plans are available: federal and state. There are four federal workers compensation plans and two state plans. Civilians who work for the federal government and are injured on the job are covered by one of the four workers compensation plans offered. These are run by the Office of Workers’ Compensation Programs (OWCP), which is a part of the United States Department of Labor (Valerius, Bayes, Newby, & Seggern, 2008). The four federal programs are (1) The Federal Employees’ Compensation Program, (2) The Longshore and Harbor Workers’ Compensation Program, (3) The Federal Black Lung Program, and (4) The Energy Employees Occupational Illness Compensation Program. Under the Federal Employees’ Compensation Act (FECA), federal employees are covered under the first program. Employees of the maritime field are covered under program number 2 via the Longshore and Harbor Workers’ Compensation Act. In addition, extensions of this act made other work classes become covered under this program. Program three, under the Black Lung Benefits Act, provides coverage to coal mine employees and is run by the Division of Coal Mine Workers’ Compensation (Valerius, et.al, 2008). The fourth program went into effect in 2001 and is for employees who worked at atomic weapons, or radioactive materials, facilities that developed cancer or other serious diseases form the exposure. Although these are all different programs, they all offer benefits such as medical treatment, cash benefits, rehabilitation, among other benefits to injured workers.
While federal workers compensation programs are run by the federal government, the states manage their own workers compensation programs....