In 1911, Wisconsin adopted a Workmen’s Compensation Act. This remedy is essentially a “no-fault” system under which a worker no longer has to prove negligence on the part of the employer, and the employer’s three common law defenses are eliminated. The intent of the law was to require an employer to promptly and accurately compensate a worker for any injury suffered on the job, regardless of the existence of any fault or whose it might be. In return, the WC Act limited the amount of money that a worker could recover. Thus, workers are only entitled to (1) certain wage loss benefits, (2) the cost of medical treatment, (3) certain disability payments and (4) payments for vocational rehabilitation retraining. Under the pre-WC Act tort system, workers had been able to recover for pain and suffering, loss of enjoyment of life and other damages that a jury might award. This is no longer possible under the WC Act.

Since 1911 the WC Act has undergone numerous changes and refinements. However, the main values have not only remained intact but have also been strengthened. One of those values is universal coverage. Nearly all employers in Wisconsin are covered, including both public and private employers. The only employee exceptions to the WC Act insurance requirement are domestic servants, some farm employees, volunteers (including volunteers of non-profit organizations that receive money or other things of value totaling not more than $10.00 per week) and religious sect members that qualify and are certified for an exemption. In addition there are a few classes of workers who are covered by federal laws instead of the WC Act.

Snyder Insurance can help you with all of your Risk Management and Workers Comp needs. Contact our Commercial Lines Department today!

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