Large employers are required by law to pay insurance for workers’ compensation. This guarantees that their employees are financially covered in the unwanted event that illnesses or work-related injuries appear. The problem is that when you work for smaller businesses, this is not a coverage that you might have or it might be really low. There are different laws in each state and employers tend to only get the bare minimum.
Awarding Workers’ Compensation Benefits
After being injured at work, you have to go to the doctor to receive medical attention. Then, you have to file a claim for workers’ compensation. This includes a description of what happened and the injuries that you suffered.
The employer has to give you the forms to fill and then send the claim to the insurance company.
Usually, the process is very simple and the employer or the insurance company does not contest the claim. In other cases though, you need attorneys for workers’ compensation because your claim is disputed. If this happens to you, make sure to never go through the process without the help of experienced attorneys for workers compensation.
Your workers’ compensation plan might include several benefits to be aware of. The most common ones are presented below.
This means the policy pays for medical expenses that are associated with the injury. There might be some extra cash benefits available too but this varies from one state to another.
The good news is that it does not matter if you were at fault or the accident was caused by someone else. You are only not covered when you do not follow the policy of the company and you are aware that you do so.
Temporary Disability Benefits
Work injuries can sometimes lead to a temporary disability. The best example of this is a broken leg. After the injury, you cannot perform job duties for a number of months. Disability payments would thus be offered while you cannot go to work.
Usually, these disability payments are around 65% of the regular salary. However, you might receive more or less based on employer or state laws.
Permanent Disability Benefits
Long-term problems are covered when caused by the working conditions. A good example of this is a repetitive stress injury like carpal tunnel syndrome or chronic back pain. How much money you will receive is determined based on how injured you are and the severity of the disability you suffer.
If a person is killed while on the job, the workers’ compensation policy often pays death benefits to surviving family members. How much is offered varies but usually, the determination is made based on the current pay of the worker at the time of death. In some cases though, it can be an exact set amount.
Discuss Your Options
As you can see, you might be entitled to several benefits when injured on the job. However, the legality of the process is not easy to understand. It is very important that you get treated and that you work with a workers’ compensation attorney to make sure you will be offered exactly what you are entitled to. Remember that insurance companies are not your friend and they might try to pay you less than you deserve.