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Colorado Workers' Compensation Guide

Claiming, Collecting and Preventing Workplace Injuries

The Babcock Law Firm, LLC
4600 S Ulster St, Suite 800
Denver, CO 80237
https://www.injurylawcolorado.com/


Introduction

What is workers' compensation and why was it started?

Workers' compensation is actually a type of insurance employers must either purchase from an outside insurer or obtain a "certificate of self insurance" from the Colorado workers' compensation agency. It provides medical treatment and partial wage compensation for on-the-job injuries or occupational diseases such as overuse injuries. If you're injured on-the-job, you may also qualify for permanent disability benefits.

An employer is responsible for paying all premiums for a workers' compensation insurance policy and is prohibited by law from deducting these costs from an employee's paycheck. Employers with one or more employees are required to provide this form of disability insurance under state law.

Workers' compensation was "the first great venture into social security by the people of America" according to the Rocky Mountain Law Review. It was the first social safety net in the U.S. and established well before Social Security and unemployment insurance.

Prior to workers' compensation, an injured worker had to prove negligence by his employer or a fellow employee before compensation was awarded. This is referred to as a "common-law" remedy in attorney speak.

Eventually, it was determined the common law remedies were insufficient at protecting employees from on-the-job injuries and an administrative system of workers' compensation was needed to shift the economic burden of a workplace injury from the worker to the industry and thus, the consumers of that industry's products and services.

This Colorado workers' compensation guide is intended to serve as a comprehensive, educational resource for injured workers in Colorado and their families. It is not intended to replace legal counsel but rather a simple way for you to learn about workers' compensation benefits and procedures all in one place – or print it out for a handy guide to refer to and share.

Continue reading to learn more workers' compensation benefits in Colorado and check back often as we continue to add sections to our Colorado workers' compensation e-book.

Next: Workers Compensation Benefits >>

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