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This question is about workers compensation.
Who pays for workers compensation? Workers compensation insurance pays for compensation benefits for most employers, though some do pay these benefits directly.
Employers are required to purchase workers' compensation insurance in every state, except for Texas. In those states, employers are responsible for making the decision themselves.
Employees do not have any role in paying for workers' compensation benefits, as this is seen as a business expense and something that the employer is completely responsible for.
The cost of workers' compensation for an employer depends on several factors. The size of the organization, as well as the state laws and regulations it is subject to, affect the cost of this insurance.
There are also different types of insurance based on the type of work an employee does and what risks they can expect to encounter on the job.
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