In 2019, there were 4,640,000 preventable work related injuries. Of those, how many received worker’s compensation? How did they know if they were eligible?
Were you hurt on the job? Are you unsure whether you can use worker’s compensation?
If so, this article will help give you some answers. Read on to learn more.
What Is Worker’s Comp?
Worker’s comp is insurance that your employer provides if you sustain an injury or get ill on the job.
Worker’s compensation does two things. First, to assure workers injured on a job get swift medical care and a part of their lost wages. Second, it protects employers from lawsuits by employees injured on the job.
This insurance doesn’t just cover the basic work injury. It also covers injuries from natural disasters, terrorist attacks, and workplace violence.
How Does Worker’s Comp Work?
When you get injured on the job or fall ill because of something that happened, file a claim.
When you file the claim within the deadline and meet eligibility requirements, you’ll receive benefits. These benefits include:
- appointment expenses
- lost wage benefits
- death benefits for dependents
Who’s Eligible For Worker’s Comp Insurance?
There are a few eligibility guidelines to meet before you can receive benefits.
- You Must Be An Employee
Not all workers in a company are employees. If you’re a contractor or freelancer, you’re not an employee.
Misclassified employees could still qualify for benefits. If this is the case, often, the dispute will end up in court.
Volunteers aren’t usually covered, but there are some exceptions to that. Sometimes, the state will cover volunteer firefighters.
- Your Employer Must Have Worker’s Comp Insurance
Laws vary between states. Depending on how many employees and the type of work they do, determines if they need the insurance.
- The Claim Must Be Work-Related
Claims can be tricky if they happen while on break or messing around with coworkers. Usually, if you’re benefiting the employer and hurt yourself, it’s work-related.
- You Must Meet The Reporting/Filing Deadline
If you get hurt and wait to file, benefits can get denied. Make sure you’re submitting your claim before the deadline to receive benefits.
- Must Attend All Related Appointments
Once you receive your benefits, attend all appointments. This includes doctor’s visits, therapy, or testing.
It’s a red flag if you skip your appointments. They won’t hesitate to pull your benefits if they find you’re abusing the system.
If you have questions whether you’re still eligible, consult the experts. They’ll help you figure out if you meet all the requirements.
Exempt Workers
Some workers are exempt from receiving worker’s comp. These workers include:
- Casual/seasonal workers
- Leased or loaned employees
- Agricultural/farmworkers of small farms
- Domestic workers
Find Out If You’re Eligible Today
With the right guidance, you’ll be able to determine if you’re eligible to receive your benefits in no time.
Were you hurt on the job and are unsure about eligibility for worker’s comp insurance? Don’t wait; consult the experts today.
If you found this article helpful, be sure to check out our other blogs too!
