Are there any special rules that apply to workers' compensation claims under the law?

The law requires that any company with three or more workers, including regular part-time workers, have workers' compensation insurance. Many employers take out workers' compensation insurance even if they are not legally required to do so. Generally, state laws allow these exempt employers to opt for the workers' compensation system. In that case, your employees can receive benefits for work-related injuries, but they won't be able to file a lawsuit against the employer.

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