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Pennsylvania workers' compensation insurance sees lower costs


A worker who spends a major part of the day in a hazardous work environment always runs the risk of meeting with an accident. A work injury can pose a multitude of problems for an injured worker, including lost wages, pain and suffering, accident trauma and heavy medical expenses. Additionally, the injury may be grave enough to cause permanent or temporary disability or even claim the worker's life.


A Pennsylvania worker in Erie or Pittsburgh who has been injured on the job or who has become ill due to exposure to toxic and hazardous workplace substances is entitled to adequate compensation from his or her employer, especially if the employers is directly or indirectly responsible for the accident. Employers are responsible for keeping the workplace free of hazards to employees.

Moreover, workers' compensation insurance policies are designed for the purpose of providing the employee with financial benefits in the event of a workplace accident. Such insurance may cover medical expenses incurred by the injured worker, the cost of rehabilitating the worker, lost wages and death benefits for dependents of a deceased worker.

Pennsylvania has recently benefited from a cost reduction in workers' compensation insurance rates. This reduction apparently followed a departmental approval of the state's annual loss report that is used by businesses to determine workers' compensation insurance premium rates. The reductions are expected to lower employer costs with a possible result that more and more employees may be eligible for workers' compensation if injured on the job. However, if there ever comes a time when a worker must claim such insurance or need compensation, the injured worker may seek the advice of Pittsburg legal counsel experienced in such matters.

Source: Pittsburgh Business Times, "Workers' compensation rates fall," Kris B. Mamula, March 31, 2014

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