If you have been injured on the job, you might have heard that workers’ compensation can help cover you financially. However, if it’s your first time ever being injured on the job, and if you don’t own a business yourself, it’s normal that you might not know too much about workers’ compensation.
A few of the things you might want to know about workers’ compensation can be found below. Hopefully, with a little help, you will be able to navigate the workers’ compensation system and will get the compensation that you’re entitled to.
Your Employer is Required to Have Insurance
First of all, if you are curious about whether workers’ compensation is even an option for you, you should know that many businesses are required to have workers’ compensation insurance. Therefore, there is a good chance that your employer does have this coverage. If they don’t, you might be able to take legal action against them.
Multiple Benefits Are Usually Offered
Workers’’ compensation typically provides benefits for a number of different things. Your employer’s workers’ compensation insurance company should cover things like medical bills, rehabilitation costs, and income replacement while you’re out of work for injury-related reasons. If you have lost a loved one to a workplace injury, there is a chance that you and your family are entitled to survivor’s benefits, too.
There Are Lawyers Who Can Help You
There are a couple of reasons why you should consider hiring a workers compensation lawyer, if you haven’t done so already. A lawyer can tell you more about your rights and can let you know what you should expect when you’re dealing with your injury case. They can help you increase your chances of success with your case, and they can make it much easier for you to handle your case, too.
There Are Some Cases Where You Can’t Get Payment
Although workers’ compensation should cover lots of different situations–including if you were partly negligent when you were injured–you should know that workers’ compensation doesn’t always cover financially. For example, if you were under the influence of drugs or alcohol when you were injured, or if your injuries were self-inflicted, it’s possible that your claim will be denied.
If you are like many people who have never filed a workers’ compensation case, it’s normal to not really know very much about it. However, hopefully, you might now know a little more about workers’ compensation. Plus, once you start working with a lawyer, they should be able to answer your questions and give you even more information.
This article was written by Dixie Somers, a freelance writer who loves to write about business, finance, and family issues. She lives in Arizona with her husband and three beautiful daughters. You can find Dixie on Facebook.