Employers and their insurers need to be prepared for the tens of thousands of physically injured veterans returning from conflicts in Iraq and Afghanistan, according to the Insurance Information Institute.

“Workplace injuries that are primarily the result of injuries originally sustained during military service will generally be covered by the employer's workers' compensation program or, in some states, a second injury fund,” said Robert Hartwig, chief economist of the I.I.I. “In addition, employers will need to adhere to the law pursuant to the Americans with Disabilities Act (ADA).”

Mr. Hartwig previously addressed this issue in the Dec. 5 National Underwriter cover story, “When Johnny Comes Marching Home.”

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