Beginner’s Guide to Workers Compensation Benefits
Glendale Workers Compensation Lawyers
Workers compensation coverage may be offered to employees whose health has been impacted due to the work environment, or work-related tasks. But, not every employee is eligible to receive such benefits. Also, not every employee may even know what workers compensation benefits entails. In the article below, we have answered several questions that many workers may have about this program. Please read on to find out more information, provided through a question and answer format. The inquiries listed here are intended for workers who are beginners as to what a workers compensation program is all about.
What is workers compensation?
Workers compensation is an insurance program that is state-mandated. It provides benefits to workers who may suffer injuries or illnesses due to the job. Every state has its own set of laws regarding workers compensation programs. In most cases, an employee who gets hurt or sick while performing a job-related duty can receive medical coverage, regardless of who was at-fault. However, there are a few instances where coverage may be denied.
In what situations may a workers compensation claim be denied?
Workers compensation programs are set up in a way where the employee can get medical care at no expense to them, regardless of who was responsible. But, if it is found that the worker was intoxicated when the injury happened, had intentionally caused the accident, or was breaking a law, then coverage may be denied.
What if I was hurt while doing a job-related duty, but was not at work?
If you were permitted by your employer to do a work-related task outside of the workplace and were injured, you may still be able to file for workers compensation benefits. For example, you may receive medical coverage if you were away traveling on business, attending a work-related social function, or were out running an errand while on the clock.
Should I wait to see if my injury gets better, or notify my employer right away?
It is highly recommended that you notify your employer about an injury or illness immediately. Do not wait until the condition has worsened before you file an incident report about what happened. If there was a work hazard that caused the accident, your employer may need to know about it so they can fix the problem. By attending to the issue, it can also help lessen the likelihood of other employees injuring themselves in the same way.
Are all employees able to receive workers compensation benefits?
No, not all employers are required to offer workers compensation benefits to their employees. Whether or not an employer must have a workers compensation program depends on the laws for that state. In general, an employer may or may not need to have such a program depending on how many employees are within the company, what kind of business it is, and the kind of work the workers are performing. Examples of jobs that may be excluded from receiving workers comp benefits include seasonal workers, domestic employees, farm workers or other employees who are not part of the permanent workforce.
Posted on October 6, 2018 @ 7:10 pm