Workers' compensation is a no-fault insurance system in all 50 states that provides: medical treatment for work-related injuries/illnesses, temporary and permanent disability benefits, vocational rehabilitation, and death benefits for dependents. In exchange, employees generally give up the right to sue their employer for negligence. Employers must carry workers' compensation insurance (or be approved for self-insurance). Proper occupational health programs — including pre-employment physicals, fitness-for-duty evaluations, and timely return-to-work management — significantly reduce workers' comp costs.