Worker’s compensation, also referred to as workers’ compensation, is actually a system that helps to pay medical expenses, rehabilitation fees, lost wages, and other costs when employees are injured at work.
Each state has its own workers’ compensation laws which govern the claims from workers of private organizations and government agencies that are injured on the job.
In most situations benefits from workers compensation are paid irrespective of who was at fault for the injury, even if it was the business, other workers, clients, or even if it was the injured employee himself.
However, in case you are injured at work, it’s important to keep in mind that workers’ compensation is commonly the only recourse you may have for any injuries or illnesses that occur as a result of your job, which means that usually you cannot decide to sue your employer instead of filing a workers’ compensation claim.
So when you are injured, how do you determine if you qualify for workers compensation payments?
First of all, your injury or illness needs to be work-related.
That means that you were doing something for your employer and were injured or became ill because of that.
Typical examples are hurting your back while moving equipment at your office, or developing carpal tunnel syndrome because of continuous computer work, or becoming ill as a result of breathing hazardous chemicals when on the job.
Your injuries could sometimes be deemed job-related even when they come about when you are driving to your job, or taking your lunch break, or are taking part in after-hours events connected to your job.
But in those specific circumstances, you ought to speak to a attorney or somebody else with experience in workers’ compensation regulations in your local area.
Next, you’ll need to determine if your company has a workman’s compensation insurance policy.
The laws vary in each state, but in several instances small businesses that have less than four employees may possibly not have to obtain workman’s compensation coverage.
And quite a few states let nonprofit organizations decide whether or not to participate as well.
Always check with your human resources department to determine if your business is insured.
You can also discover much more information about workman’s compensation insurance coverage specifications in your state from your state’s department of labor.
Finally, you need to figure out if you are an employee entitled to workmen’s compensation coverage.
Just working for a company and getting paid isn’t actually a guarantee that you are qualified to receive worker compensation payments.
For example, independent contractors like consultants and freelancers aren’t employees and will not be entitled to workman’s compensation benefits.
Examples of independent contractors may possibly include freelance writers or computer system.
And volunteers are not employees, so in general they are not entitled to workers’ compensation benefits.
But in particular cases some types of volunteers, like volunteer firefighters, could be covered by worker’s compensation.
And in some states, businesses may have the option to supply coverage for volunteers, so always check the workman’s compensation laws in your state or speak with a local attorney who has experience with workers’ compensation claims if there’s any question as to whether or not you’re eligible.
And even if you are an employee, in some states certain classes of workers will not be covered by worker compensation insurance.
Ordinarily the types of workers which can be excluded from workers’ compensation coverage include babysitters, housekeepers and other domestic workers, together with farm assistants, contracted hires via a staffing agency or temp service, casual labor, and illegal workers.
For those who fall into any of these categories, it is always best to check with a local attorney or state workman’s compensation specialist to discover whether or not you qualify for workmen’s compensation benefits.
The author of the above article has many years of experience working with workers compensation , specifically worker compensation. If you’re interested in getting additional information on this subject, then you are invited to the website WorkersCompensation Dot Com.
Author: Earlene HargrowThis author has published 1 articles so far.