March 24, 2015
Worker’s compensation (worker’s comp) is insurance that helps cover employees that are injured on the job and cannot perform their job, either temporarily or permanently. Each state is different on what is covered by worker’s comp, but it typically can cover lost wages and expenses that come with lost wages, medical expense reimbursement, and even benefits for the family if a workers killed. There can also be different things provided for if the employer is found to be extremely negligent among other special circumstances.
When a worker is injured at their place of employment, the accident needs to be reported to the supervisor and seek medical attention for whatever injuries they may have incurred. If the injury ends up keeping the individual from working, a claim can be filed – no matter if it is a major injury or not.
Some common accidents that can be part of a workers comp claim are:
- Slips & falls on level ground
- Accidents involving company vehicles
- Equipment and/or machinery accidents
- Back injuries
- Repetitive movement injuries
- Burns
- Workplace violence
When these accidents/injuries happen, it is never a good idea to just keep going. Report the incident and seek medical attention, as stated above. It is important for your health, the safety of others, and a claim if it is filed.
Navigating the waters of this system can be tricky and you do not have to do it alone. There are liaisons from the insurance companies, your work, and lawyers. Just make sure you know who is on your side and you get what you are entitled to.