How Does Workers Compensation Work
Workplace injuries are a lot to manage, no matter the type of injury. Not only might you be saddled with extensive medical bills, but you might also be unable to return to work. The good news is, there are laws in place to protect work injury victims and provide them with financial compensation for lost wages and medical care. Here, we break down how workers’ compensation works.
How Does Workers’ Compensation Work?
If you get hurt or sick on the job, workers’ compensation can pay your medical expenses and lost wages. As it is a no-fault insurance program, you don’t have to prove negligence to recover funds as you would in a personal injury claim. In exchange, the employee generally can’t sue the employer for the incident.
Each state sets rules for when an employer must acquire workers’ compensation insurance. In addition, they establish a rate of compensation when a person is permanently disabled due to a job-related accident.
Who Is Covered?
In most states, businesses are legally required to have workers’ compensation insurance. Some states require it only when a business has a certain number of employees. States can exclude specific industries from coverage, and independent contractors are generally not covered.
Which Injuries Are Covered?
Workers’ compensation is intended to compensate employees who suffer work-related injuries — that is, as long as they arise out of the course of employment. The affliction doesn’t have to be the result of a single incident — repetitive stress injuries such as carpal tunnel syndrome can trigger a claim.
What Benefits Are Covered?
The benefits available to injured workers depend on the nature of the injury and state laws. In addition to compensation for medical bills and lost wages, workers’ compensation may also cover vocational rehabilitation, permanent injuries, and survivors’ benefits.
Contact a Workers’ Compensation Attorney
If you get hurt at work, be sure to contact a workers’ compensation attorney at Morgan & Morgan. We can help you through every step of the process so you have the best chance to recover the money you deserve. Fill out a free legal case evaluation now.