Part II examines the coverage of employees and employers by current workers’ compensation programs. About 90 percent of the employed U.S. workforce are in firms who are legally required to provide coverage. Actual coverage is less in many jurisdictions, however.
Part II also examines which injuries and diseases are compensable. The four traditional tests to establish legal causation for injuries have been tightened in many jurisdictions. The traditional tests to establish legal causation for diseases have also become even more restrictive in many states. As a result, a substantial portion of work-related injuries and diseases do not receive workers’ compensation benefits.