Fact Vs Fiction: Know The Truth About Workers Compensation
Posted on: 15 October 2015
If you are hurt while on the job or as the result of doing work at your place of business, you are entitled to some form of compensation under the law. Many people are too afraid to file a workers compensation claim for fear of possible retaliation by their employer. But workers compensation is the law, and employers must abide by those laws per their policy. Read on to learn about some of the facts as well as some untruths regarding workers compensation so you can be better prepared in the event of a work related injury.
Facts
Here are the basic facts regarding workers compensation. Learning and understanding these facts can be protect you in the event of an accident or injury at work.
- People who are injured directly as a result of their work are entitled to filing a workers compensation claim.
- Some health related problems or injuries might not be covered under workers compensation. Here is one example: If someone had a preexisting condition that got worse over time and cannot be proven as worsening as a result of work, it may not be covered.
- Workers compensation pays for more than just the medical costs incurred as a result of the injury. It also covers things like a percentage of the claimant's salary, any necessary rehabilitation (if needed), and help returning or transitioning back to regular work.
- Employees in most states cannot be fired as a result of making a workers compensation claim unless the claim later turns out to be false. Check with your state to determine the laws regarding this.
Fiction
There are some things all employees should know in terms of what is not applicable when it comes to workers compensation. Read these myths about it so you can be prepared.
- Some workers are afraid to ask what their company's workers compensation claim is, so they fail to ask. The truth is, the more you know, the better prepared you can be if something happens. Do not be afraid to ask questions and get your company's policy in writing.
- Many people think small businesses do not carry workers compensation insurance. This is actually not the case, since this kind of coverage is typically required by law regardless of the size of the company.
- Too often, employees think they will never get hurt at work. But the reality is that injuries can happen to anyone, even in a simple office environment. This is why it is important to be sure your employer has workers compensation coverage so you will be protected if you get hurt while at work.
For further assistance, contact a local workers compensation lawyer.
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