A state program that requires employers to pay a premium to cover the cost of medical treatment and some lost pay for employees who are injured on the job, regardless of who is at fault.  In return, employees give up the right to sue the employers even if the injury was the employer’s fault except in very limited and rare circumstances.  An individual with a workman’s compensation claim may still bring an action against an at-fault party who is not their employer if warranted by the facts of how the injury occurred.