Did you recently suffer an injury at work? Injuries can impact someone’s ability to work and generate income. Workers’ comp acts as a layer of protection for these employees.
Workers’ compensation provides financial coverage when workers get hurt on the job. This compensation helps families cover expenses as one of their income earners recovers.
While workers’ comp comes with great intentions, not everyone receives benefits right away. Employees must learn how to get workers’ compensation to get adequate coverage.
Keep reading and we will provide an overview of workers’ compensation, so you know how to get your benefits.
Who Qualifies for Workers’ Comp?
Make sure you qualify for workers’ comp before commencing with the process. Employees must work at companies that offer workers’ comp insurance.
Most workers won’t have an issue with this qualification. Many states require businesses to carry workers’ comp for their employees.
You must sustain a work-related injury or illness. You need proof of the injury happening because of work.
If you hurt yourself playing a pick-up basketball game, you won’t receive workers’ comp. Workers who intentionally hurt themselves will not receive insurance either.
Finally, you need to meet your state’s deadlines for reporting the injury and filing a claim. Save yourself the trouble by filing as soon as possible. You can also check your state’s deadlines to see how much time you have.
What Does Workers’ Compensation Provide?
Getting injured can cost considerable money. You’ll have to visit the hospital and get the proper care. Workers’ comp covers these expenses.
Some policies also cover the cost of medical equipment such as a wheelchair. Workers’ comp will also cover any rehabilitation expenses. Depending on the injury, it may take considerable time to recover.
Most people know workers’ comp covers lost wages. You may receive lost wage benefits if you haven’t been able to work for over seven days.
A workers’ comp policy will cover survivor benefits if the worker dies. The beneficiaries will receive weekly payments based on the worker’s salary.
Beneficiaries will receive two-thirds of the deceased worker’s average salary. This payment derives from the last 52 weeks of pay before the accident.
Many insurance policies also pay for funeral expenses.
How to Get Workers’ Compensation
The employee and employer must submit a claim to the insurance company. The employee files their paperwork first, and the employer follows suit. The employer may have to inform their state’s workers’ comp agency or board about the case.
Unsatisfied employers can appeal the decision. They can ask for higher pay and benefits.
A personal injury lawyer can help you get the best package.
A lawyer can reduce your stress so you can focus on recovery. You can rest assured a qualified expert is fighting your battle for you.
Get the Protection you Deserve
Injuries happen at the workplace. Discovering how to get workers’ compensation provides a safety net.
You will get paid lost wages and receive help with other expenses. If you want to stay protected, keep reading this blog. It contains many resources to navigate workers’ comp and other policies.