Employers are required by law to have workers' compensation insurance for all employees. Workers' compensation insurance is designed to create a system of compensation for a worker who has been injured in a work-related accident. If the injury is fatal， the family usually receives the resulting insurance money. As the employer， workers' compensation insurance offers the benefit of protection from employee lawsuits filed to collect compensation for work-related injuries. Therefore， the employer may avoid paying the large settlements and attorney's fees that often result. Workers' compensation insurance also reduces the role of an attorney in collecting compensation after the accident， thereby reducing the costs to both the employer and employee. State laws may vary regarding how the insurance is provided and what it covers. For more information about workers' compensation insurance， contact a qualified attorney.
翻譯：根據(jù)法律規(guī)定雇主須給所有雇員購(gòu)買工傷補(bǔ)償保險(xiǎn)，工傷補(bǔ)償保險(xiǎn)目的是為與工作有關(guān)的事故中受傷的工人建立一個(gè)賠償系統(tǒng)。如果工人受到的是致命的傷害，他的家庭通?？色@得保險(xiǎn)金。對(duì)雇主來說，工傷保險(xiǎn)避免了雇員向他提起法律訴訟來索要因工傷引起的賠償，另外，雇主也可避免支付大筆的安置費(fèi)和律師費(fèi)用。工傷補(bǔ)償保險(xiǎn)也簡(jiǎn)化了律師在工傷事故發(fā)生后收集索賠證據(jù)的作用，因此，也給雇主和雇員降低了訴訟成本。各州法律在保險(xiǎn)如何支付及應(yīng)該覆蓋的范圍各有不同。欲知工傷補(bǔ)償保險(xiǎn)的詳細(xì)信息，可與資深律師聯(lián)系。
1、fatal 來自拉丁語fatalis
（1）致命的；毀滅性的
a fatal car accident 致命的車禍
（2）生命攸關(guān)的；不幸的
翻譯：根據(jù)法律規(guī)定雇主須給所有雇員購(gòu)買工傷補(bǔ)償保險(xiǎn)，工傷補(bǔ)償保險(xiǎn)目的是為與工作有關(guān)的事故中受傷的工人建立一個(gè)賠償系統(tǒng)。如果工人受到的是致命的傷害，他的家庭通?？色@得保險(xiǎn)金。對(duì)雇主來說，工傷保險(xiǎn)避免了雇員向他提起法律訴訟來索要因工傷引起的賠償，另外，雇主也可避免支付大筆的安置費(fèi)和律師費(fèi)用。工傷補(bǔ)償保險(xiǎn)也簡(jiǎn)化了律師在工傷事故發(fā)生后收集索賠證據(jù)的作用，因此，也給雇主和雇員降低了訴訟成本。各州法律在保險(xiǎn)如何支付及應(yīng)該覆蓋的范圍各有不同。欲知工傷補(bǔ)償保險(xiǎn)的詳細(xì)信息，可與資深律師聯(lián)系。
1、fatal 來自拉丁語fatalis
（1）致命的；毀滅性的
a fatal car accident 致命的車禍
（2）生命攸關(guān)的；不幸的