All organizations in the United States are legally required to provide some sort of workers’ compensation insurance for their employees, in case any harm is enacted on them while on the job. This can apply to many different scenarios. An employee could fall ill on the job because of unsanitary conditions. They could lose a finger or a limb while working on a construction site. An employee could even fall on slippery steps entering the office. This could result in the employee breaking a bone. In any of these instances, the worker would be covered under the employer’s insurance. This is the case regardless of who caused the accident.
Unfortunately, the burden of proof was once on the employee. However, these injured individuals no longer need to prove that their own carelessness didn’t cause the injury. With workers’ compensation, the injured employee is guaranteed pay and benefits. In return, employers do not need to worry about injured workers suing their company.
If you were injured on the job, the claim should be submitted immediately in order to receive the benefits that you require. There is a lot of paperwork that will need to be filled out, including a formal workers’ compensation claim that the employee will put together. It may be helpful to hire a workers compensation lawyer to assist with the details, as it can be overwhelming, especially when your time may be spent going in and out of doctors’ offices and hospitals.
Report The Incident
The first step in filing a worker’s comp claim will be to report the injury to your employer. Review your company’s workers comp policy before reporting the incident. That way, you know what to expect. You will need to be accurate with the information you provide and give them as much detail as possible. Include the specific date of the injury if applicable. The harm sustained on the job could also be something more complex, such as a disease that developed over time due to chemical exposure. It is important to put these details in writing. As mentioned, this should occur promptly, although states have varying statutes of limitations for these types of cases. It is important to do your research regarding the rules within the state you work, and a lawyer who is versed in these types of cases will be able to help you.
Fill Out Paperwork
Your employer will then provide you with the formal paperwork they need to put together once they receive your written statement. This paperwork will also show you what insurance will cover you during this time. You’ll need to receive the necessary medical treatment for your injuries. This is why it’s important to receive information about your company’s insurance provider. You may only be able to get treatment at certain medical providers who are covered under that insurer.
File A Claim
Your employer will be in charge of filing a claim with their insurance carrier. The insurance provider will then determine if your case qualifies for workers’ compensation benefits. There are many reasons why someone may be denied workers’ comp. Some of these reasons are location related. For example, some states will cover stress-related harm, while others will not. Another reason you may need legal representation in this type of case would be if your employer tried to dispute your claim. This is why including as much information as possible in your portion of the claim is important. You don’t want further negligence on the part of your employer to be the reason you are unable to pay for the medical treatment you need to recover.
Get Back To Work
The final step in the workers’ compensation process is returning to work. Many employees struggle with this step. After all, business accidents can leave you with painful injuries and mental strains. For this reason, employees should only return to work after fully healing. Work closely with your doctor to figure out a reasonable time to return that would not cause you any further harm.
Change In The Workplace
If the harm you endured was due to negligence in the workplace, it is important that these issues are corrected. Employees are entitled to a safe work environment where they can focus on their duties. The best environments also leave employees worry-free. They should not have to worry about stumbling upon a dangerous situation during their day. It is also on the employer to train workers on how to safely perform their duties.