In a workers’ compensation case, temporary or permanent prohibitions of certain activities, body positions, motions, exposure and time limitations that have been placed on the injured worker by the treating or consulting physician to expedite recovery from the injury or on a permanent basis because of the effects of the injury. Restrictions can be actual because of inability to perform the activity or prophylactic to prevent further injury. Permanent work restrictions are rated disabilities.

Formal legal contract that insures an employee against on-the-job injury or illness and provides death benefits to dependents. It pays for medical treatment, physical rehabilitation, permanent disability, and through temporary disability benefits covers lost wages while off the job. Federal and state regulations require that the employer have this coverage and pay the premiums for his or her employees.

Federal and state government-mandated system that requires employers to furnish insurance and cash benefits for employees who suffer work-related injuries, illnesses, or death. Employers pay the insurance premiums. workers’ compensation insurance does not usually cover agricultural employees, interstate railroad employees, employees of small businesses, domestic employees, casual employees, and self-employed individuals. Also called workers’ comp .

Federal entity that administers a federal or state workers’ compensation law such as workers’ compensation commission, industrial commissions, industrial boards, workers’ compensation insurance funds, workers’ compensation courts, and U.S. Department of Labor. Also referred to as state compensation board or commission .

Board that handles workers’ compensation liens and appeals.

r1. Insurance company that writes workers’ compensation insurance under state or federal law. 2. State compensation fund where the state administers the workers’ compensation program. 3. Beneficiary’s employer where the employer is self-insured.