Workers' compensation is intended to protect employees from loss of income and cover additional expenses associated with work-related injuries or illnesses. Accidents in which the employee does not lose time from work, accidents in which the employee loses time from work, temporary partial disability, permanent partial or total disability, death, occupational diseases, non-disabling physical impairments, such as deafness, impairments suffered by the employer Work-sanctioned events, such as social events or while traveling to a business organization, and injuries or disabilities attributable to gross negligence of the employer are the types of injuries and illnesses most frequently covered by workers' compensation laws. Since 1955, several states have allowed workers' compensation payments for work-related cases of anxiety, depression, and certain mental disorders. While some form of workers' compensation is available in all 50 states, specific requirements, payments, and procedures vary from state to state. Some features are common to virtually all programs: The laws generally provide for replacement of lost income, payment of medical expenses, workers' rehabilitation of some kind, death benefits for survivors, and lump-sum disability payments. The employee is not required to sue the employer for compensation. Compensation is normally paid through an insurance program financed through premiums paid by employers. Insurance against accidents at work pr...