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What Is Workers' Compensation?
What Is Workers' Compensation?
Workers' Compensation is state-regulated insurance to reimburse employees who are injured on the job. Workers' comp laws vary from state to state, but state laws generally have these things in common:
- • Workers' Compensation covers most but not all workers.
- • Workers' Compensation is insurance paid for by the employer.
- • You have a deadline to report an injury or illness to your employer.
- • Your employer must submit a report to the insurance company.
- • Workers' Compensation bars you from suing your employer for most actions.
What Benefits Are Included in Workers' Compensation Coverage?
What Benefits Are Included in Workers' Compensation Coverage?
When you are managing a severe work-related injury or illness, you may need emergency medical care and ongoing medical treatment. Medical services are expensive, but workers' compensation will help ensure that you do not have to compromise your health because of financial constraints. Workers' compensation may cover all necessary medical treatment, including but not limited to:
- • Hospitalization
- • Surgery
- • Physical therapy
- • Psychological therapy
- • Prescription medication
- • Medical devices, such as wheelchairs or walkers
What Should You Do After Suffering a Job-Related Injury or Illness?
What Should You Do After Suffering a Job-Related Injury or Illness?
If you sustained injuries while performing your job duties or developed an illness due to the poor conditions at work, you should take some steps to protect your rights to benefits.
Report your injury. Let your employer know about your work-related injury immediately. If you don't initiate a claim within 30 days of the accident, you could lose your rights to benefit payments.
How Do You Know if Your Employer Has Workers' Compensation Insurance?
How Do You Know if Your Employer Has Workers' Compensation Insurance?
Employers are required by law to carry workers' compensation insurance. The laws vary from state to state, but in most states, employers do not have to carry workers' compensation for the following types of employees.
- • Domestic workers
- • Agricultural workers
- • Contract workers
- • Temporary workers
- • Undocumented workers
Can a Workers' Compensation Law Firm Sue Your Employer?
Can a Workers' Compensation Law Firm Sue Your Employer?
In most cases, you cannot sue your employer. However, you may be able to sue if there was an unsafe condition on the job that was in violation of Occupational Safety and Health Administration rules.
Is Workers' Comp Insurance Coverage Dependent on Accident Facts?
Is Workers' Comp Insurance Coverage Dependent on Accident Facts?
Workers' Compensation Insurance coverage is a form of strict liability. Whether the employer or worker is responsible or partly responsible for the accidental job-related injury or illness, the employer's insurance policy must bear the cost of:
- • Medical treatment
- • Lost wages
- • Death benefits to a surviving spouse
- • Some states allow funeral expenses, as well as death benefits
Is There an Upfront Cost to File a Lawsuit?
Retaining a lawyer will cost you nothing out of pocket. We do not get paid unless your case wins.
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