<P> At the turn of the 20th century workers' compensation laws were voluntary . An elective law made passage easier and some argued that compulsory workers' compensation laws would violate the 14th amendment due process clause of the U.S. Constitution . Since workers' compensation mandated benefits without regard to fault or negligence, many felt that compulsory participation would deprive the employer of property without due process . The issue of due process was resolved by the United States Supreme Court in 1917 in New York Central Railway Co. v. White which held that an employer's due process rights were not impeded by mandatory workers' compensation . After the ruling many states enacted new compulsory workers' compensation laws . </P> <P> In the United States, most employees who are injured on the job receive medical care responsive to the workplace injury, and, in some cases, payment to compensate for resulting disabilities . Generally, an injury that occurs when an employee is on his or her way to or from work does not qualify for worker's compensation benefits; however, there are some exceptions if your responsibilities demand that you be in multiple locations, or stay in the course of your employment after work hours . </P> <P> Insurance policies are available to employers through commercial insurance companies: if the employer is deemed an excessive risk to insure at market rates, it can obtain coverage through an assigned - risk program . In many states, there are public uninsured employer funds to pay benefits to workers employed by companies who illegally fail to purchase insurance . </P> <P> Various organizations focus resources on providing education and guidance to workers' compensation administrators and adjudicators in various state and national workers' compensation systems . These include the American Bar Association (ABA), the International Association of Industrial Accident Boards and Commissions (IAIABC), the National Association of Workers' Compensation Judiciary (NAWCJ), and the Workers Compensation Research Institute . </P>

Who purchases or pays for workers compensation insurance
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