Who is typically responsible for paying for medical treatment under workers' compensation?

In the context of workers' compensation, the responsibility for paying for medical treatment typically falls to the employer's insurance carrier. When an employee is injured on the job, their medical expenses related to the injury are covered by the workers' compensation insurance that the employer is required to maintain. This system is designed to ensure that employees receive the necessary medical care without having to worry about the financial burden during their recovery from work-related injuries.

Since workers' compensation is a no-fault system, it allows for quick access to medical treatment while protecting employers from litigation, as long as they fulfill their insurance requirements. The employer pays premiums for this insurance which then provides coverage for medical expenses, treatment costs, rehabilitation, and sometimes lost wages, depending on the specifics of the policy. This framework fosters a supportive environment for workers who face injuries, emphasizing the importance of employers ensuring appropriate coverage for their employees.