As we journey through life, accumulating assets, building relationships, and fostering our families, one crucial question inevitably arises: "Do I need a will?" The answer, especially in the state of Alaska, is a resounding yes.

Estate planning is a critical, yet often overlooked, aspect of personal finance and family security. It involves making decisions about how your assets will be managed and distributed after your death, as well as planning for any incapacities that may occur during your lifetime.

Workers’ compensation is a no-fault insurance program to cover medical expenses, lost wages, and other damages for employees who are injured at work or fall ill due to workplace conditions such as toxic fumes or contaminants. The no-fault system signifies that the injured/ill employee cannot sue the employer. In addition, the employer cannot sue the employee.

If you have been injured on the job in Alaska, you may be eligible to receive workers’ compensation benefits. As part of the process of filing a workers’ compensation claim and seeking coverage for your medical needs, you may be asked to submit to an independent medical examination (IME).

We take for granted that we’ll be safe when we go to work each day, but what happens if you start to develop an injury or illness because of chemical or toxic exposure in the workplace? Sadly, this happens to employees all too often, and they’re the ones left to deal with the aftermath.

Workers’ compensation is a no-fault insurance system used by employers nationwide to provide medical coverage and wage-replacement benefits for workers who suffer injuries or contract illnesses while on the job. Being at no fault, neither employer nor employee can hold the other party legally responsible for the injuries or illnesses occurring at work.

Every state has adopted laws that require most employers to carry workers’ compensation insurance for their employees. This insurance protects workers if they’re injured on the job by covering medical expenses as well as replacing lost wages due to time off work.

The Job Accommodation Network (JAN) reports that employees who are injured and out on leave are less likely to return to work the longer they’re out. In addition, the U.S. Census Bureau and Bureau of Labor Statistics estimate that employers lose upwards of $40 billion annually due to absenteeism.

Workers’ compensation is a no-fault system to provide medical care and reimbursement for lost wages for employees who are injured at work or who fall ill from chemical exposure or other unhealthy workplace conditions. Being no-fault means that neither employee nor the employer can hold the other responsible legally.

Workers’ compensation has been created to protect workers in the case of an injury incurred at work. But if you already have a pre-existing condition, you may be wondering how workers’ compensation insurance affects you.