Who it Covers

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Workers’ Compensation:  Who it covers and General Information

Understanding workers’ compensation can be a challenge for anyone who is not familiar with it.  Often young adults enter into the working field and have very little information as to workers’ compensation and who it covers.  It is imperative to be aware of your rights as an employee and also of your rights if you are a business owner.  Workers’ compensation is an important part of any business because it protects both the company from unexpected lawsuits and medical expenses for an employee.  It is also helps to ensure that the rights of the employee have been fairly addressed and taken care of.

Workers’ compensation was designed specifically to help employees in case they are subject to work which can result in an injury on the job.  An on-the-job injury or accident can lead to the employee being unable to work for long periods of time and physically unable to get another job.  This loss of wage can result in financial duress for a person and this is one of the main reasons that workers compensation exists.

Compensation for workers also protects the employee who is able to return back to work after an accident or injury on the job but is left with a serious amount of medical bills.  Employees are protected through workers’ compensation laws and regulations and companies will be responsible for providing workers’ compensation to ensure that medical bills for an employee are covered if the employee suffered an injury while working at the company.

Many companies believe that since they follow a safe work practice and provide a safe and clean work environment that they will not have employees get injured on the job. Even business offices which provide immaculate work environments are at risk because an employee can trip over an extension cord or office equipment cord left out by another employee or the employee can fall down in the bathroom on a wet floor from which water leaked from the bathroom sink.

Some states do have laws that employees must be employed full time in order to receive benefits from workers’ compensation and other states do not have this requirement.  Though all states do have a form of workers’ compensation available, the details of it vary from location to location.  Although workers’ compensation exists to protect the employee and to provide financial and medical coverage and availability to an employee who has been injured while working at his or her place of employment, the employee also has a responsibility to follow the safety rules and regulations of the company in order to receive financial compensation in the event of an accident.

Workers compensation and who it covers can be determined by your specific state laws.  An employee contracted through the company as a freelance worker is not always covered by the company’s workers’ compensation insurance.  In most cases, employees who are employed full time and who are on the company pay roll for a certain amount of time are the ones most commonly covered.

What it Covers

Know About Workers Compensation and what it covers

Workers compensation and what it covers is something that many employees find themselves asking when they are faced with a dilemma at work when an accident has occurred.  Compensation for employees is required by all states in the United States and what it covers will differ slightly from one place to another.  Each state has its own laws and requires a certain number of things from both businesses and employees in order to ensure that both are treated fairly and protected under the law.

It is imperative that businesses follow the law and are subscribing to a workers’ compensation program or insurance company.  If a business fails to do this, it can be held liable by the law and fines can be enforced as a matter of consequence for ignoring legal responsibility as a business.  Workers’ compensation covers medical costs an employee many incur if the worker was involved in an accident or an injury in which medical treatment, therapy, and medication was required.

Doctor visits, hospital stays, physical therapy, pain pills, casts, and wound treatment are all things which are commonly covered through the majority of workers’ compensation plans.  This is a protection which ensures that the employee is able to receive appropriate and necessary medical care if the employee was injured on the job.  Many minor accidents such as slipping on a wet floor, lifting equipment or products in a wrong way, and stretching to pull something down from a high shelf can result in serious back injuries which can require long-term medical care before the person is able to recover from the accident.  Workers’ compensation will generally cover medical treatment for injuries such as these and for more serious injuries which show immediate and serious damage to the person’s body.

Workers’ compensation and what it covers as far as financial compensation for missed wages also varies from state to state within the country.  In the beginning, workers’ compensation was voluntary for most businesses in the country and still many companies signed up for it because this type of program helped to protect companies against lawsuits from employees who had been injured on the job.  Currently, nearly all businesses comply with state regulations and provide financial compensation and medical compensation to employees who have been injured while performing standard work duties for the company.

Financial compensation through workers’ comp helps the employee to pay bills when he or she is missing work because of the injury.  Back problems, pulled muscles, and broken bones are common injuries which result from work-related accidents.  These injuries can potentially keep an employee unable from going back to work for weeks or even months, depending upon the severity of the injury.  Compensation through the insurance company the business has subscribed to will help to relieve some of the financial stress by providing a weekly check to help replace a portion of earned wages the person is missing out on.  The weekly comp check is typically not the full percentage of what the earned wages have previously been, but a percentage of the wages.

What It Is

 Workers’ Compensation and How Does it Affect Workers?

Workers’ compensation works two ways:  it works to help the employee and the company.  Many companies see workers’ compensation as a necessary evil they must pay.  In fact, compensation for workers’ can help to protect a company against frivolous lawsuits from employees and can work as an insurance of sorts to provide medical care and loss of wages to employees.  This will help the company to get its employees back to work in a quicker amount of time which can ensure company stability and it can help to also protect the rights of the employee to ensure he or she is taken care of to some extent if an accident or injury occurs at work.


Workers’ Compensation Basic Information for Companies

Most companies in the United States are mandated by law to pay to a workers’ compensation insurance company in order to ensure that their employees will be protected in the event of an accident.  This results in the fact that if an employee suffers an injury on the job, the employee will be compensated for the loss of income if he or she misses work due to the accident.  The employee will also receive monetary compensation for any medical bills and treatment which were necessary because of an injury or accident which occurred at work.

If a company does not subscribe to an insurance company for workers’ compensation, that company can be penalized by the government and charged hefty fines as a form of penalty for not having complied with the law and provided workers’ compensation rights to its employees. Companies that have regular accidents occur will discover that their premiums will be raised due to high risk of accidents.  Ensuring that employees have proper accident prevention training and providing a safe and clean work place will help to keep the costs down of premiums paid to workers’ compensation insurance companies.


Workers’ Compensation Basic Information for Employees

Employees who are employed through a company have right to financial reimbursement from the company if the employee has an accident while he or she is working.  Many employees are required to sign safety procedure papers and if an employee has an accident which the employee could have prevented, the employee many not be eligible for compensation.  However, if an injury or accident occurred which was not the employee’s fault while the employee was performing work for the company, he or she will receive financial compensation through the company’s workers’ compensation insurance.

Recordings of the accident must be documented and signed by a supervisor.  The employee will almost always receive compensation for any medical expenses, recovery physical therapy, and medications prescribed as a result of the accident which took place at work.  In most cases, the employee will receive a percentage of his or her wages while he or she is off work due to the accident or injury which occurred.

What You Have to Do

Learn What You Have to Do If You Think You are Entitled to Claim Workers Compensation

It is important to learn what you have to do if you think you are entitled to claim workers compensation through your place of employment. Workers compensation exists to help employees have their basic rights protected so their medical and financial needs can be met if an accident at work occurs and the employee has been injured.  Although you may be injured while working on the job, you will not be entitled to compensation for loss of wages or financial reimbursement for medical expenses unless you have followed the proper protocol and have completed paperwork as necessary.

If you are involved in an accident at work, it is important to immediately notify your supervisor.  The supervisor must document any accident reports made by employees.  There have been many employees who have slipped and fell at work and have failed to report this because there was no noticeable damage, injury, or physical effect from the fall.  A few days or weeks later, pain can begin to occur which resulted from the fall at work.  In cases such as this, if you have not documented the fall, you may not be eligible for financial compensation through workers’ compensation because you failed to immediately report the incident.

The first step which must be taken if you are involved in any type of accident or physical event at work which could even possibly result in an injury or affect your ability to work should be you reporting this to your supervisor and filling out an accident form.  Many employees neglect to do this because they do not physically feel injured.  In the case that affects surface later which make a difference in a negative way as to you how your body feels or functions, this report will help to protect your rights when it comes to workers’ compensation.

It is also imperative to know what you have to do if you think you are entitled to claim workers’ compensation so that you will be able to receive a weekly check to help you cover the loss of wages.  Losing wages can be a dire thing for anyone and someone who depends upon every single pay check in order to pay standard household bills can quickly find himself or herself in financial stress if he or she does not know what to do to receive workers’ compensation.

You must go to a doctor or hospital and be examined for the injury you have received at work.  You must also provide proof of these medical visits to your employer so the employer can review them and pass them along to the insurance company they subscribe to for workers’ compensation.  Failure to do this can result in you being unable to receive financial compensation or payback for medical bills you have incurred.  In most cases, you must also provide a medical report which states whether or not you are able to return back  to your job.