Workman's Compensation programs are mandated by law and are normally available to most American workers in various forms depending on the financial capability of the employers. The program would normally depend on the geographic location of the employer, the nature of the business, the number of employees and the position held by the workers. While state workers receive coverage from the state workers' compensation programs, Federal government employees receive coverage from the Federal Workers' compensation program. Some specific Federal jobs such as those employed in the railroad industry receive coverage under a separate workers' compensation package designed specifically for them. There are other federal industries that do exactly the same.

In the U.S., every state has separate workers' compensation program with various eligibility requirements and coverage criteria. An injury in the workplace may be compensated fully in one state but only proportionally paid in another. It is normal for the different state to place limitation on the situations and types of employees covered by their compensation package and this is primarily dependent on the amount of the gross income that the state receives. In some states, their workman's compensation program exclude damages for pain and suffering and some even has exclusion coverage's for temporary workers, independent contractors and casual workers. Federal Government employees on the other hand do not receive coverage under the state Workers' compensation programs for the simple reason that federal government has their own workers' compensation programs.

When workers are seriously injured in a workplace and is rendered unable to work, he or she may be entitled a permanent Disability Compensation. Some workman's compensation packages include disability benefits for their workers and permanent disability benefits may fall under three major categories. The first is statutory permanent disability. This is a condition where a worker loses both hands, arms, feet, legs and eyes or the complete loss of the use of any of the body parts earlier mentioned. The second category is a total and permanent disability condition. This is a situation where the medical doctor indicates that an individual has permanent restrictions such as severe back, neck or leg problems which limits and fully restricts movement rendering the individual the inability to do normal activities. Such condition will be medically considered a permanent and total disability. Finally we have the condition called odd-lot permanent total. Odd-lot permanent total is a condition where the worker has permanent medical restriction such as not to lift a specific amount of weights and inability do things continuously without pausing for a rest. In this condition the injured individual would need rehabilitation for a long time and would be assessed as not fit hold any kind of job.

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