Employers must carry this insurance for workers who are injured or become ill because of their jobs. It provides for medical care, and wages you lose because your ability to work is affected. Employers pay for this insurance and may not ask you to pay anything toward the cost. The benefits are paid by an insurance carrier or by the employer if it insures itself. Benefits are paid according to the law, and the Workers’ Compensation ensures they are correctly provided. The Workers’ Compensation is a state agency that oversees how employers and insurers handle the claims of injured workers. A claim is paid if the insurer agrees the incident is work-related. An employer or its insurer can dispute the claim if that happen will try to resolve the dispute within 90 days.