Ⅲ.课文篇

Workers' compensation is the oldest social insurance program; it was adopted in most states, including California, during the second decade of last century. It is a no-fault system, meaning that injured employees need not prove the injury was someone else's fault in order to receive benefits for an on-the-job injury.

工伤补偿是最古老的社会保险；它于上个世纪二十年代期间被大多数州所采用，包括加利福尼亚。它是一种无过错制度，指的是受伤的雇员无须为了得到工伤补偿而要证明受伤是其他人的过错。

Workers' Compensation laws are designed to ensure that employees who are injured or disabled on the job are provided with monetary awards, eliminating the need for people to go to court to fight for justice.

工伤补偿法立足于保证因工受伤或者致残的雇员得到金钱方面的赔偿，排除人们上法庭去讨公道的必要。

The laws also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses.

法律还规定为那些死于工作相关事故或者疾病的工人的家属提供抚恤金。

Worker's Compensation is a sound business practice. Employers receive the assurance they will not be sued for damages, medical care and lost wages if their employees get injured while working.

工伤补偿是很健全的商业实务。雇主得到保证他们不会因雇员在工作中受伤引发的损坏、医疗费用以及工资损失而遭到起诉。

If employees get hurt on the job, employers can direct them to the workers compensation system for quality medical and prompt payment of benefits and an early return to work.

如果雇员在工作中受伤，雇主可以将他们转到工伤补偿制度，使他们得到良好的治疗、即时得到补偿，并早点返回工作岗位。

Injured workers are entitled to receive all medical care required to cure or relieve the effects of the injury. They are not required to make co-payments as the insurance will cover all of the bills.

受伤的工人应该得到治愈或者减轻伤痛所必要的一切医疗护理。他们无须支付部分医疗费，因为保险涵盖了所有的费用。

For workers who are unable to return to work within three days, they are usually entitled to temporary disability benefits to replace wages lost as a result of the injury. The benefits are generally designed to replace two-thirds of the lost wages.

对于那些在三天之内无法回来工作的工人，他们通常可以得到暂时性残疾补偿，以弥补因受伤而引起的工资损失。补偿金一般是损失工资的三分之二。

Injured workers who are permanently disabled -- those who have a permanent labor market handicap -- are entitled to receive permanent disability benefits. A worker who is determined to have a permanent total disability receives the temporary disability benefit for the rest of their life.

永久性残疾的工人－那些有永久性劳务市场缺陷的人－可以得到永久性残疾补偿。被定为永久性完全残疾的人在他们的余生里得到临时性残疾补偿。

Injured workers who are unable to return to their former type of work are entitled to re-training to help them return to suitable employment. This includes the development of a suitable plan, the cost of any training, and a maintenance allowance while participating in rehabilitation.

无法回到原来工作岗位的受伤工人应该得到再培训，帮助他们返回合适的职业。这包括做出一个适宜的计划、培训的费用以及在参与再就业时的生活费补贴。

In the very unfortunate event that a worker is killed while working, reasonable burial expenses are paid and the worker's dependents may receive support payments for a period of time.

很不幸的一种情况是工人在工作中死了，（有关部门）将支付适当的安葬费用，而且工人的家属可能在一段时间内得到赡养费用。