Clueless about workers’ compensation and the process – read on to get helpful information. Workers’ compensation is a state regulation insurance program that supports the employees with compensation during any physical injury at the workplace. Any employee guarantees a claim (monetary or non-monetary or both) when they suffer workplace injury or damage. Generally, with a straightforward settlement, the case remains simple, but it moves to the lawsuit when there is a difference in opinion (claim amount). On moving to the judiciary system to seek justice, you require workers compensation lawyers. These are different from personal injury lawyers.
However, there are specific eligibility requirements for filing a case against the company or owner. You must fulfill the criteria to satisfy the worker’s compensation:
- It would be best if you held full-time employment with the employer.
- Your injuries must be related to the workplace or during office hours.
Workers’ Claim Benefits
When you are an employee of a particular company, you also hold the right to safety and hazard-proof workplace. Failure to do this will result in injuries and property damage which later results in workers compensation and public liability insurance . Here are some of the claims you can seek:
- Medical expenses: You can complete the claim amount of the medical expenditure. It means from the start of injury treatment till total recovery.
- Rehabilitation: The employer will bear the cost if you require any recovery for limb fracture or significant ligament damage.
- Replacement income: If you are temporarily or permanently unable to resume work, you can seek wage replacement.
- Long-term payment or pension: In case of permanent unemployment or very long retirement from work which results in loss of wages, you claim a long-term pension.
- Temporary pension against disability: Disability due to injury or inability to perform as before will give you temporary assistance.
Simple Steps to Get Maximum Compensation
There are specific steps to follow to get maximum compensation. It requires prompt reporting and using the right properly.
- Immediately report your injury to the supervisor or workplace head. Some of the companies require notice of 2-28 days after the injury report. It is the processing time for preparing the relevant documents and release the compensation. Some certain damages or injuries show slowly; in that case, you must report as soon as you realize that the cause arises from the workplace.
- Get the appropriate healthcare and follow the instructions of the doctor. Keep your employer in the loop with all the recovery you make and the bill supporting the same.
- File your compensation with the employer and the relevant documents as evidence. Also, inform your insurance agency. Your employer must provide you with the company’s insurance details.
- Maintain a track and record of all the paperwork in the entire process.
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Non-Claimable Compensations
Workers’ compensation offers most of the types of injury and damage that are claimable. However, certain types remain barred from the claim.
- Self-inflicted injuries and property damage (example, fight at workplace)
- Injuries from committing of serious felony
- Injuries that cause conduct violation of the company policies
- Injuries under drug substance influence during work hours
- Injuries when the claimer misbehaved or acted recklessly
Know your right and ask for the claims before it’s too late. Do not rely on the insurance company and seek professional help from a compensation attorney.
Hello, My name is Shari & I am a writer for the ‘Outlook AppIns’ blog. I’m a CSIT graduate & I’ve been working in the IT industry for 3 years.