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An Overview of Workers’ Compensation

When someone is injured at the workplace, they have the right to get workers’ compensation. Also known as workman’s compensation, or workers’ comp, workers compensation is the name given to a system of laws that are designed in order to protect injured employees at the workplace. The objective of workers’ compensation is to ensure that when an employee is injured at the workplace, they receive appropriate medical care. Workers’ comp will also compensate them for any lost wages due to the injury and will retrain and rehabilitate the worker if necessary. All these facilities help the employee get back on their job. If a worker dies on the job, then their family members are eligible to get the benefits. Some of the possible benefits of workers’ compensation are listed below:

  • It helps the employee get back on the job as soon as possible
  • It helps the worker return to their pre-injury income as soon as possible
  • If provides compensation to the employee if he or she is unable to return to work or earn a decent income like before
  • It pays a portion of the wage loss
  • It pays for medical and vocational rehabilitation costs
  • It pays benefits to the dependants in case of work-related death

What is covered under workers’ comp?

All kinds of work related physical injuries and diseases are covered under Workers’ compensation. Similarly, if an already existing condition was made worse at the job, that will also be covered under workers comp. Respiratory injuries and repetitive strain injuries as well as death are covered under workers comp.

Who pays Workers Comp?

Workers comp covers medical bills, lost wages, as well as disability and all these expenses are paid by the employers work comp company. Fault does not have to be proven in workers’ comp cases, whether the employee or employer or a colleague was at fault. As long as there was an injury, it will be covered under workers’ comp.

What to do when you’re hurt?

If you’ve been injured at the job, you need to report the injury to your supervisor immediately. Failing to report the injury within the statutory deadlines will only jeopardize your rights.

Don’t wait and seek medical assistance as soon as possible. Visit your own doctor for treatment and inform your employer about your medical condition as well as your date of return. Don’t be pressured to go to a particular doctor for treatment as suggested by the employer. Although you may be required to go to the company doctor for consultation or follow up visits, it is not necessary to follow the treatment suggested by the company doctor.

Take time off to recover from your injuries for as long as it is required.

When you inform your employer about the injury, the employer will file a First Report of Injury. You need to check with the insurance company and get a copy of the report as proof to make sure that the claim was properly filed.

Once the report is filed, benefits will be paid within 14 days. If they are denied, you will be informed within 14 days.

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