SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/founder-workers-comp-state-programs

A worker at a private company is hurt on the job. Whose workers' compensation system usually handles the claim?

The state's workers' compensation program.

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  1. The US Department of Labor
  2. The federal Social Security office
  3. The state's workers' compensation program ✔

Why: Workers' compensation for private and state or local government workers is run by each state. The federal Labor Department's programs cover federal workers and a few special groups.

Huh, didn't know that: In most states, coverage rules depend on employer size or industry; Texas makes coverage optional for most private employers.

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References

Answer: The state's workers' compensation program. Workers' compensation for private and state or local government workers is run by each state. The federal Labor Department's programs cover federal workers and a few special groups.

  1. DOL: Workers' Compensation www.dol.gov/general/topic/workcomp
    Individuals injured on the job while employed by private companies or state and local government agencies should contact their state workers' compensation board.
    Checked 2026-10-11.
  2. SBA: Hire and manage employees www.sba.gov/business-guide/manage-your-business/hire-manage-employees
    Workers’ Compensation: Required through a commercial carrier, self-insured basis, or state Workers’ Compensation Program.
    Checked 2026-10-11.
  3. Texas Department of Insurance: Workers' compensation coverage www.tdi.texas.gov/WC/employer/coverage.html
    private employers can choose to carry workers' compensation insurance coverage (subscribers), but it is not required in most cases.
    Checked 2026-10-11.

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