Workers’ compensation is a benefit that a large majority of employers must provide to their employees. In fact, most employers that have over three employees must have a workers’ compensation package in place. Workers’ compensation provides certain benefits to people who acquire workplace injuries. The fault of the injury has no bearing on a worker’s compensation claim. Therefore, the employee is not obligated to prove whether he or she was responsible for the accident. The only time an employee will want to prove fault is if he or she wants to take the case to a personal injury attorney.
What Benefits Come With Workers Compensation?
Workers’ compensation covers a portion of a worker’s paycheck while he or she is recovering from the injury. The benefit will also cover medical expenses that arise from the injury. The policy will cover diagnoses, treatment, medication, therapy sessions and more. The coverage ends when the worker returns to work on a full-time basis.
Accidents That Workers’ Compensation Covers
Workers’ compensation covers any accidents that occur on the job or during a person’s work duties. Some of the accidents that the policy will cover are burns, broken bones, back injuries, lacerations and more. The policy also covers occupational diseases that occur because of repetitive exposure to a carcinogen or harmful element. Mental disturbances such as post-traumatic stress disorder may also be eligible for payment.
How to Get Workers’ Compensation
A person who receives an injury on the job must first notify his or her supervisor of the injury. Different states have different processes, but the employee must visit a medical professional in all states. The medical professional will diagnose the problem and develop a treatment plan. He or she will give a recommendation to the insurance company, as well. The insurance company makes a decision on whether or not to pay the claim. If the worker receives an approval, then he or she will receive benefit payments. If the person receives a denial, then that person has the right to appeal the decision.
What to Do About a Denial
Sometimes insurance companies deny workers’ compensation claims. A person who receives a denial has the right to contact a workers compensation attorney for assistance with the case. An attorney can gather the necessary records and speak with the insurance company about its decision. Some attorneys offer contingency representation during this stressful time.
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