An independent contractor's employee who, because the independent contractor has not maintained WC insurance, is considered to be an employee of the principal employing the independent contractor.
Positional risk doctrine
Legal doctrine stating that an injury arises out of the claimant's employment if the injury would not have occurred but for the fact that the conditions and obligations of the employment placed the claimant in the position where he or she was injured.
Temporary total disability
A disability caused by a work-related injury or disease that renders an injured employee unable to perform any job duties for a period of time; the employee eventually makes a full recovery and can resume all job duties.
Permanent total disability
A disability caused by a work-related injury or disease that renders a worker unable to ever return to gainful employment.
Temporary partial disability
A disability caused by a work-related injury or disease that temporarily limits the extent to which an employee can perform job duties; the employee is eventually able to return to full duties and hours.
Permanent partial disability
A disability caused by a work-related injury or disease that impairs the injured employee's earning capacity for life, but the employee is abl to work at reduced efficiency.
Second injury fund
A state-operated or state-mandated fund that pays a portion of the WC benefits of an injured employee whose disability is aggravated by a prior disability.
A WC insurer that is set up by the state in which it operates either as an agency of the state government or as a mutual or not-for-profit insurer.
A state fund that sells WC insurance in competition with other insurers
Monopolistic Fund, or Exclusive Fund
A state fund that is the only insurer authorized to sell WC insurance in its state.
A group of employers in the same industry that jointly (as a whole) and severally (individually) guarantee payment of WC benefits to the employees of the group's members.
A provision of a WC statute that extends protection to an employee who is injured while temporarily working in a state other than the state of hire.
A requirement of the US Longshore and Harbor WC Act that the claimant's location at the time of injury be on navigable waters or certain adjoining areas.
A requirement of the US Longshore and Harbor WC Act that the employee be engaged in maritime employment.
Maintenance and Cure
An employer's legal obligation to pay the costs of (1) lodging and food ("maintenance") for a sick or an injured crew member during his or her medical care and (2) medical care ("cure") until maximum medical cure is achieved.
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