Real Experts- Trusted
There are three different types of laws in the U.S. including federal laws, state
laws and local laws. Federal laws apply to everyone in the United States, while
state and local laws apply to people who live and work in a particular state,
county, city or town.
The United States has a long history of maintaining a separation of federal and
state legal systems as long as state laws do not restrict the federal rights of U.S.
citizens. Each state has its own legal system of laws and courts that determine
matters such as:
Our workers compensation resources page is designed to give business owners quick
information about each states' workers comp systems as well as provide additional
state resources for employers. This page provides links to information on our
website as well as links to workers compensation authorities in each of the 50
Employees who work for the federal government do not participate in state workers
compensation programs. The Federal Employees' Compensation Act provides workers'
compensation coverage to federal employment-related injuries and occupational
diseases. The Division of Federal Employees' Compensation (DFEC) is responsible for
administering the Act
Since workers compensation is generally required by state law, each state must
create a mechanism for employers to buy workers compensation insurance even when a
private insurance carrier, or voluntary market, is unwilling to quote coverage.
Assigned Risk coverage is designed to provide coverage access to employers when they
can't find voluntary coverage due to the nature or work, their experience modifier,
or the loss history.
Assigned Risk workers compensation is also known as the residual market, or the
A workers' compensation State Fund may be established by a state to offer coverage
in either, or both, the voluntary market or the residual market. State funds also
manage access to all coverage in monopolistic states that do not allow private
insurance companies to sell workers comp in the state. Therefore some state funds
can be competitive insurance carriers as well as the market of last resort.
NCCI is the National Council on Compensation
Insurance. They are no a regulatory agency; NCCI is an independent non-profit
organization created by the insurance industry to standardize and manage the
specific details of workers comp insurance such as classification codes, experience
modifiers, and premium computations.
NCCI helps develops workers compensation manuals and rules used by states who choose
not to operate their own independent rating bureaus. When a state is referred to as
an NCCI state, it means that the state uses NCCI manuals, class codes, and
experience modification ratings developed by NCCI.