A Brief Guide to Workers’ Compensation
If you are new to a job that provides workers’ compensation, you likely have questions regarding what it is and how it works. The following guide is designed to help you understand this unique form of financial protection.
Workers’ Compensation Definition
Workers’ comp is a form of insurance that safeguards both employees and their employers in the event of an injury or sickness caused by job-related activities. For workers, it provides an economic cushion in case of disaster. For the business, it protects from a financial loss so severe that the operation could be forced to shut down due to an on-the-job incident.
Workers’ Compensation Protections
It is vital that everyone understands what workman’s compensation covers. In the event of physical harm, workman’s comp pays for lost wages and related medical expenses. This includes both immediate attention as well as long-term care. If an employee dies, the family is handed funds to cover funeral expenses. Claims can be difficult, so you may consider talking to a workers compensation lawyer Frederick MD.
Certain damages are often not included. For example, injuries sustained in a physical altercation initiated by the claimant are typically rejected. Other scenarios under which restitution is usually unavailable include harm caused by workspace intoxication or intentionally hurting oneself. Emotional trauma without a physical component is never recognized. State laws determine the specifics regarding what gets covered. Contact a workers compensation lawyer Frederick MD if you have further questions.
Workers’ Compensation Payments
With the exception of New Jersey and Texas, workers’ compensation is compulsory for businesses that do not provide other benefits. How much companies pay to insure their workforce depends on multiple factors, including the company’s size and nature of business. When it is available, employees do not pay to be covered.
Workers’ Compensation Claims
If you get hurt on the job, report the incident to your supervisor immediately. For those who suffer a job-related illness that emerges over time, supervisors should be informed of the condition as soon as a diagnosis is made.
Data that needs to be reported to the insurance company includes basic information about the worker and business, along with the nature of the incident. Claims should be made as quickly as possible. In some states, there is a limited window of time under which they can be filed.
When legitimate claims are rejected or an employer fails to perform its due diligence, the responsible party should be compelled to make the situation right. If you are covered by workers’ compensation and get hurt on the job, yet never receive payment, suing might be the appropriate action. Contact an experienced workers’ compensation lawyer Frederick MD to review your situation and execute effective litigation.
The attorneys at Cohen & Cohen have handled thousands of cases since 1993. Contact a workers compensation lawyer Frederick MD immediately for a free case evaluation. Call us today at (202) 955-4529.