Workers compensation is a key aspect of any business with employees. As an employee, you want to be covered for any injury you might sustain on the job. This kind of insurance can help you get back on your feet as you recover, no matter how long it takes. Here’s everything you need to know about workers compensation, including what it covers and how to file for it after you’ve been injured.
Who Provides It
It is the responsibility of the employer to obtain workers compensation insurance. The payment for this insurance does not come out of any employee’s pocket, but is considered another section of the business’ payroll. Workers compensation is legally required in many states. However, there are some situations where employers can decide whether to get it or not. If you don’t know the workers compensation situation at your work, ask your employer for a rundown of what it covers. This can prepare you for future needs if they arise.
What It Covers
Workers compensation covers every expense directly caused and affected by the injury. Not only does this include medical bills and costs, but it covers lost wages, ongoing care costs and funeral expenses for the family. Understanding what is included in your employer’s policy can make it considerably easier to file a claim. You will also know what receipts and bills to keep track of, so that you can file for compensation. No employee deserves to have financial troubles because of a work-related injury, so knowledge about the process is essential. If you are dealing with trying to set up a workers compensation case or have questions, consider contacting a workers compensation lawyer from a firm like The Law Offices of Mark T. Hurt.
How To Get It
If you get injured, the first thing to do is to inform your employer. They are an important part of the claim process, as they have to inform their insurance and give you the right paperwork to fill out. The sooner you tell them about the injury, the quicker the process can begin. The last thing you want is an employer questioning whether your injury actually happened on the job.
Then you’ll need to fill out the paperwork and give it back to your employer so that the claim can be filed. Keep careful, organized records of all costs you spend because of your injury. These may be important in getting you the right compensation. You should also record how long you are unable to work to file for lost wages.