Women In Business

What you need to know about workers’ compensation

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If you met an injury or an accident in your workplace, did you know that you could be adequately compensated? You’re entitled to this under the Workers’ Compensation Law. This serves as insurance for employees so that they are protected from whatever accidents they meet because of their employment. Workers’ compensation is supposed to cover whatever medical expenses and treatments may be needed because of work-related accidents or illnesses.

If you don’t have much knowledge yet about worker’s compensation, read more below to learn the basics.

  1. The employee has a duty to report the disease or injury

Although workers’ compensation is in place for the benefit of the employee, this doesn’t mean that you can claim it automatically. You, too, have a responsibility as the injured employee to report your injury or illness immediately. However, it is not sufficient that you just report it to anybody in your company. You have to report the damage to the person in your company that handles workers’ compensation. This can either be your human resource manager, your supervisor, or the head of the risk management department.

  1. Workers’ compensation is required from all employers

No employer is exempt from providing workers’ compensation to all their employees. However, each state may differ when it comes to the fine print of the workers’ compensation. Hence, it’s best to always recheck with your state regarding the particular specifications that pertain to the following:

  • Employees that are covered
  • Possible defenses of employers, such as wounds that are willfully done, self-inflicted or because of negligence due to alcoholism
  • Types of injuries covered and the proof required
  • Length of time that an employee has to file a claim

Whatever your state law is, your company has to comply with them. To help make this whole process easier, you can ask for the assistance and legal expertise of workers’ compensation lawyers at the Dominguez Firm.

  1. The worker has the responsibility to ask for appropriate medical care

When you’re sick, you have the responsibility to avail of a doctor’s services—all the more when you’re injured because of your employment. If you fail to ask for medical care, then you might be held liable for any self-aggravation you may have caused. In case of an emergency, you have to listen and follow where the ambulance is going to take you, which is always the nearest hospital. When the injury isn’t an emergency, you have to go to the accredited doctor of your employer, or else you might also lose the chance of your injury being covered by the workers’ compensation.

  1. The employee has to inform the attending physician about the injury’s details

When you’re conscious while in the hospital, you also have a duty to inform the attending physician and the hospital that the injury occurred due to a workplace accident. If you’re unconscious, be sure that your family tells the doctor. In the forms that you have to fill up, there’s a box that you have to tick when asked if your injury happened on the job. Even a simple lapse or error such as that can possibly hinder you from claiming your workers’ compensation. When you comply with this duty to inform your physician, your medical bills get forwarded to your employer rather than to your own personal account.

  1. Workers’ compensation isn’t only for temporary illnesses

One of the most common questions about workers’ compensation is whether or not it also covers permanent illnesses. Most workers think that only temporary injuries are covered. Workers’ compensation is paid for by wages, medical treatments, and rehabilitation, so that the employee can go back to work. But if the injuries are permanent, such as fingers or limbs getting cut, you are still entitled to permanent disability compensation. Death benefits are paid to the family or entitled dependents, should it happen.

  1. Workers’ compensation is paid to a state fund

The workers’ compensation fund is a state insurance fund for employees. However, this isn’t a grant of the government. It’s paid for by all the employers in the state. For every employee an employer has, the latter has the duty to pay a particular sum of money. This amount is collated in one fund, which is where employers take the amount from should they have an employee that would need it. The amount granted to every employee is usually determined by the employee’s gross salary, the type of injury sustained, and the severity of the injury or illness.

Conclusion

In essence, workers’ compensation is a form of insurance that companies pay their employees as benefits should the employee become sick or injured on the job. Because this is a no-fault system, this means that, in most cases, the employee refrains from suing the employer. In exchange for this, the employer covers all costs related to the treatment and rehabilitation of the injured or sick employee. With this system in place in any business, there’s more peace and unity because both employees and employers are in a fair position.

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