Biz Inspires: A Beginner’s Guide to Worker’s Compensation
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A Beginner’s Guide to Worker’s Compensation
Do you work in a dangerous workplace? Even the tamest jobs can be risky from time to time. That’s why employers should all have worker’s compensation insurance.
But what is worker’s compensation and how can it help you? Keep reading to learn all about worker’s comp and what to do if you experience a work injury.
What Is Worker’s Compensation?
Worker’s compensation is a type of insurance that employers use to protect themselves and their employees. When an employee is injured or gets sick on the job, worker’s compensation can pay for the problem.
Most states require that employers offer some form of worker’s compensation or health insurance benefits (if not both).
Worker’s compensation insurance is expensive for employers, but it’s far less expensive than the cost of hospital bills that the employer would be liable for if an employee chose to sue.
Unlike health insurance, employees don’t have to pay for worker’s compensation insurance. It’s the responsibility of the employer.
What Is Your Employer Responsible For?
Your employer is responsible for any injuries and illnesses that occur on the job or as a result of your job. You get medical costs, lost wages, and in extreme cases, funeral funding.
There are a few situations that don’t qualify for worker’s comp. These include injuries that happened if the employee was drunk or otherwise intoxicated, injuries from fights, and intentional injuries (among others).
What Happens After an Injury?
If you’ve been injured at work, you need to report it as soon as possible to a supervisor. Make sure that you record all necessary details.
After this, your employer will file a worker’s compensation claim. After someone gets hurt at work and they’ve received care, the employer should record as much information about the situation as possible. They’ll file a claim with their insurance company within 30 days to make sure that employees get the compensation that they deserve.
What If You Don’t Receive Worker’s Compensation?
So what happens if you’ve reported the problem but you haven’t received worker’s comp? This presents a problem, and unfortunately, it isn’t uncommon.
If you’ve encountered an injury at work and you discover that your employer doesn’t offer worker’s comp, you may be able to file a lawsuit. Find local lawyers that offer free consultations and set one up as soon as possible.
Your employer is responsible for your safety while you’re on the job. Don’t let them get away with irresponsible behavior.
Worker’s Compensation Protects Employers and Employees Alike
Worker’s compensation is crucial for all businesses. It allows employees to stay safe and employers to save money and avoid expensive and time-consuming lawsuits in the event of a serious injury.
If you’re an employee who deserves compensation for a workplace injury, make sure that you report it. If your employer doesn’t comply, don’t be afraid to bring a lawyer into the situation.
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