Workers’ compensation is a term that you may hear at work, but it is not something that is often discussed in depth. You may know the basics about workers’ compensation, but knowing detailed facts about workers’ comp is very important. When you are injured while at your place of employment, you have various rights in regards to workers’ compensation. To maximize the benefits and care you receive, you should know the following facts about workers’ compensation.
A “No Fault” System Behind Workers’ Compensation
If you are injured directly as a result of your work, it does not matter who caused the injury. For example, if you fall while working, you are not at fault for your injuries. This no fault system is in place to protect workers’. As long as the injury is legitimate, no blame can be placed legally on you as an employee.
The Two Main Categories of Injuries
A workers’ compensation injury covers two different types of work-related injuries. The first category covers injuries directly related to a specific accident related to your work. The second category covers injuries that occur over time. A good example of this is a back injury sustained from repeating the same strenuous motions every day at work.
Not All Injuries Are Covered
It is a common misconception that any and all injuries are covered by workers’ compensation. For example, consider the back injury scenario again. External factors like playing sports could contribute to this injury. If this injury was not solely caused by work practices, it cannot easily be covered by workers’ compensation.
Workers’ Compensation Fraud is a Serious Issue
Every year, companies and employers pay millions of dollars to individuals injured while they were working. Unfortunately, some employees make false workers’ compensation claims. If you are injured on the job, you should prepare to document your injuries, expenses and so on. This will protect you and show proof that your claim is legitimate. This will help you stay organized just in case any legal action needs to be taken (Source: Kalamarides & Lambert).
Compensation Goes Beyond Medical Bills
While medical bills are a primary factor in receiving workers’ compensation, other costs can be covered, too. If you are injured, you may lose wages due to time off work. This can be covered so that your finances do not suffer.
By educating yourself with these facts, you can be thoroughly prepared for a handling a work related injury. Make sure to know the specific laws of your state in addition to these facts. In doing so, you can file an appropriate workers’ compensation claim.
This article is from Lizzie Weakley, a freelance writer from Columbus, Ohio. She went to college at The Ohio State University where she studied communications. She enjoys the outdoors and long walks in the park with her three-year-old husky Snowball.