It is a no-fault system of guaranteed coverage for all workers injured in the course of employment. It does not matter if the employer, worker or co-employee is at fault.
Coverage is certain and immediate.
The system sounds ideal, but as it has evolved it has turned into an adversarial system with sophisticated claims managers and insurance adjusters doing all they can to deny claims and to terminate benefits. The worst part of this changed process is that the claims managers and insurance adjusters are will trained, experienced professionals that the workers are required to deal with.