Did you know that you are entitled to getting workers’ compensation if you get injured or fall sick on the job? If you are an employee in a company, you may or may not have heard the term “workers’ compensation insurance,” but because most businesses are mainly concerned with profit, they tend to try to avoid dishing out cash to employees.
That’s why you may not know how to get proper compensation if an injury or illness befalls you on the job. Here’s what you should know about receiving the compensation you deserve from your employer should the need arise.
What Is Workers’ Compensation?
Workers’ compensation is a form of compensation that is offered to protect both employers and employees if they get sick or have an accident while working. It provides both medical and financial coverage to employees. These medical and financial benefits differ based on the state you are living in, as some states may have higher rates of workers’ compensation than others. Businesses are also, within states, grouped into certain classes based on their business area, with each class having different rates. Workers’ compensation is considered a form of social insurance because it is made up of a social contract between the employer and the employee, which both parties should be aware of when joining the company.
Areas Covered by Workers’ Compensation
When you want to claim your worker’s compensation, there are a few conditions that need to be met. One of the important conditions is that you must be working for an employer that has a workers’ compensation policy. Most employers are upfront about their insurance policies, but if they have not mentioned it before when you first joined the company, you can always ask. Another crucial condition is that your injury or illness has to be work-related. According to the Arizona-based experts at FendonLaw.net, workers’ compensation should cover workplace accidents or injuries, lost wages (which are incurred during recovery), ongoing care for severe injuries, and treatment costs for repetitive injuries. It should also cover work-related illnesses that result from exposure to toxic substances on the job.
Disability benefits are also part of any workers’ compensation insurance. In addition, it should cover vocational rehabilitation, which are the costs of job retraining and other forms of help you might need to find a new job if you can no longer carry out your tasks due to a work-related injury. Finally, if an employee dies while working, their company should offer their family financial benefits and cover the funeral costs.
Areas Not Covered by Workers’ Compensation
Even though Workers’ Compensation covers many areas, there are some areas that are not covered by it. Some workplace injuries aren’t included in your compensation or may receive minimal compensation based on your company policies. Your injury may fall outside of the scope of workers’ compensation if the injury was self-inflicted or happened while committing a crime. If the employee violated company policies or was not directly working while receiving his injury, this injury will most probably not be compensated. Also, no employees receive compensation for pain, suffering, or negligence claims.
How to File Your Claim
After you make sure that your injury is covered by your compensation plan, there are a few steps you must take to file your claim to be able to claim your coverage. The first step towards filing your claim is to visit a healthcare professional that is approved by your company. It is of utmost importance that you do it as soon as possible as postponing could put your benefits at risk. The medical professional will then, after carrying out your medical examination, fill out a report that will need to be filed along with your compensation claim. To start the claim process, you must then receive from your employer the necessary forms and information about how to carry out the process as the process differs from one company to another. They should also give you contact details to reach your compensation company.
After receiving contacts for your insurance company, you are ready to file your claim. Your claim will include forms from your company, your medical report, and any state-mandated paperwork that is needed. It’s important to pay attention to deadlines and meet them if you want to receive your compensation. If the claim you are applying for is simple then most probably you will be able to carry out this process on your own. However, you may need to hire a workers’ compensation lawyer if complications arise during your claim filing process or if the claim you are filing is complex. Examples of complications that could arise during the process include your company reducing or denying your benefits, making a settlement claim, or ignoring or refusing to process your claim.
By law, employers are required to provide their employees with financial compensation and appropriate medical care for any work-related injuries they sustain on the job. Although it may be difficult to understand the process, understanding what workers’ compensation really is, what it entails, what is excluded from it, and how to file a claim can help you get the compensation that is rightly yours.