With the advent of the industrial revolution factory job increased dramatically. At that time if workers got injured on the job their employer had no obligation to provide any assistance of any kind. Mostly they just hired someone else to take the disabled worker’s place. Over time this became a social issue and public opinion caused state legislator to look for a way to obligate businesses to provide some form of relief to their workforce. The first state enacted a worker compensation law in 1911. Other progressive states following soon thereafter with the last one getting around to it by 1948.
These workers compensation laws require employers to have workers' compensation insurance. Employees are entitled to receive prompt, effective medical treatment for on-the-job injuries or illnesses no matter who is at fault and, in return, employees are prevented from suing employers over those injuries. Workers' comp insurance provides basic benefits, including medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits.