Why does it cost more to insure an employee who's paid more, for doing the same job with the same risk as an employee who's paid less? 
That is a great question , with a very simple answer - while the risks for both employees are the same , the cost of covering their losses is n't . To replace the salary of the higher paid employee will obviously cost more than the lesser paid employee . Workman 's comp and disability pay a percentage of your pay , so the higher priced guy costs more . I hope that helps , thanks for asking ! 