Getting injured at work can be a scary and confusing experience. You may be worried about how you will pay your medical bills or support yourself and your family if you can’t work.
Knowing if you’re eligible for workers’ compensation can help ease some of this stress. Workers’ compensation is a state-regulated insurance program that provides benefits to employees who are injured or become ill due to their jobs.
Requirements To Be Eligible for Workers’ Compensation
To be eligible for workers’ compensation, you must:
- Be an employee of a company covered by workers’ compensation insurance.
- Have been injured or become ill as a result of your job duties.
- File a claim with your employer within the required timeframe.
You should be eligible for workers’ compensation benefits if you meet these requirements. Each situation is different; compensation for an accident from lifting something heavy could differ from receiving workers’ compensation for car accidents on the job.
What Benefits Are Available Through Workers’ Compensation?
The type and number of benefits you are entitled to receive will vary depending on your state’s laws and the specifics of your case. However, most workers’ compensation programs will provide benefits for these different expenses.
Workers’ compensation will usually cover the cost of your medical treatment, including hospital stays, doctor’s visits, prescription medications, and other necessary medical care.
If you cannot work because of your injury or illness, workers’ compensation can provide benefits to help replace a portion of your lost income.
If your injury or illness leaves you with a permanent disability, this option can provide benefits to help you adjust to your new situation.
In the horrible case that your injury or illness proves fatal, workers’ compensation can provide benefits to your surviving family members.
These are just a few of the most common benefits available through workers’ compensation. Your specific situation will determine what other benefits you may be entitled to receive.
How To File a Claim if You’re Injured at Work
If you get injured at work, taking immediate action is essential. The sooner you file a claim, the sooner you can get the benefits you need to cover your medical expenses and lost wages.
Here are the steps you need to take to file a claim for workers’ compensation:
- Report your injury or illness to your employer as soon as possible.
- Fill out the necessary paperwork and submit it to your employer.
- Your employer will file a claim with their workers’ compensation insurance company.
- The insurance company will investigate your claim and decide if you are eligible for benefits.
- If your claim is approved, you will begin receiving benefits.
If they deny your claim, you have the right to appeal the decision. An experienced workers’ compensation attorney can help you navigate the appeals process and get the benefits you deserve.
Injuries can happen at any time and often occur when we least expect them. Knowing if you’re eligible for workers’ compensation can give you peace of mind if you get injured on the job.
If you have any questions about your eligibility for workers’ compensation or need help filing a claim, contact an experienced workers’ compensation attorney in your area.