Get the Facts About Workers Compensation, Before You Need It

Even the safest of jobs can cause injuries, which is why the government requires employers to carry workers compensation insurance. It helps people injured at work, but only if they’re aware of their rights and understand the process of filing a claim.

What is Workers Compensation?

Each state requires employers to carry workers compensation insurance, which provides payments to employees in the event that they are injured or disabled on the job. Additionally, the federal government carries similar insurance for its own employees but does not regulate how each state applies the law to businesses in its jurisdiction.

Workers compensation claims are often paid to an injured employee, even if he or she was at fault for the incident. This is because most states prohibit employees from suing their employers, so a system is needed to ensure injured workers are cared for in the event of a work-related disability or injury. While the laws regarding workers compensation are intended to provide relief to injured employees regardless of whether the injury was caused by the employee’s or the employer’s negligence, there are some restrictions. For instance, many states require employees making a claim to undergo drug and alcohol testing and may deny a claim, if the individual tests positive.
Other common reasons workers compensation claims are denied include:

  • Intentional self-inflicted injuries
  • Incidents in which the employee was injured while breaking the law
  • Incidents in which the employee was injured while violating company policies
  • The employee was not on the job at the time of the accident

How Does Workers Compensation Help Employees?

The complexities in obtaining workers compensation benefits often compels employees to seek out the advice of an experienced workers compensation attorney Sparks NV. This is because there are several ways that benefits can help an injured or disabled worker and he or she wants to ensure they receive the full benefits to which they’re entitled.

For instance, the employee is entitled to compensation for the costs of medical care required to treat the injury or disability, as well as replacement income for the time missed from work. Where the accident results in a long-term or permanent disability, the individual may need training to pursue a new career. In that case, workers compensation may pay for that education, as well as paying compensation for the permanent injuries, themselves. Finally, workers compensation will also provide benefits to surviving family members in situations where a worker has been killed on the job.

Each state establishes workers compensation laws to protect employees who are injured during the performance of their duties. While certain factors may disqualify an employee from receiving benefits, those conditions are few and extreme. The best way to protect yourself and to ensure that you receive all of the benefits to which you’re entitled is to work with a legal advocate. An attorney knowledgeable about your state’s workers compensation laws can help make sure you receive the maximum amount of benefits in your case.