In a difficult economy, one of the first things that happens in many businesses, after layoffs, is a reduction in benefits. However, there is one benefit that no employer can afford to eliminate, and that is worker's compensation insurance. There are many thousands of workers injured on the job each year, and all states require that employers carry a kind of no-fault worker's compensation insurance that covers any injury that occurs on the job, depending on the state statute. And while such insurance does require that employees agree not to sue their employer for their injuries, it does provide a guaranteed coverage that protects employees. However, if an employer attempts to discourage or threaten an employee not to seek their rightful worker's compensation benefits, or limits those benefits in any way, the employee should contact an injured worker lawyer to protect them or, when the state allows, pursue an appeal.