4 Important Things to Know About Workers’ Compensation
Whether you work on a construction site, at a coffee shop, or in an office, accidents can happen on the job. If an injury or illness happens as a result of a job, each employee is entitled to workers’ compensation under the law.
Regardless of whether you’re an employee or a business owner, knowing a thing or two about workers’ comp helps keep you safe. Accidents are a natural and unavoidable part of life – there is no expectation here when it pertains to the workplace.
Here are some important things to know about workers’ comp – for employees and owners alike:
1. Coverage may vary, but it’s usually always required
With a nationwide average of 8 workplace injuries every second of every workday, it’s no wonder that a system was created to protect workers. Most people may be under the impression that only big businesses have workers’ compensation protection, but that’s not the case.
Even the smallest business with only one employee is required to have some sort of workers’ compensation coverage. The laws do vary per state, but workers’ comp is rarely optional. Business owners are required to classify employees on their role and responsibly and provide adequate insurance coverage.
2. Claims do not depend on fault
Workers’ compensation can end up costing a business a lot of money. That’s because when an accident happens on the job, the company is required to foot the injured party’s medical bills. We already know that some sort of workers’ comp is required by law in most all states, regardless of business size. But, that doesn’t mean a business will not try to get out of paying the claim.
Workers’ compensation is a no-fault insurance structure. This means no matter who was responsible for the workplace accident, the company must fulfil the claim. The only exception here is if the employee was under the influence of drugs or alcohol when the accident occurred.
3. Report and record everything
No matter if you’re the one that received the injury on the job, or you’re the owner of the company facing a claim, every single thing should be reported and recorded. From the moment the accident happens, the employee’s supervisor, HR department, and company head should be notified. Among other things, this allows them to work quickly to find the injured employee an approved doctor or hospital to visit.
Even the administrators, nurses, and doctors caring for the employee should be aware that the accident happened at work. This way, any bills can be sent to the employer to be taken care of. And if the treatment is not covered under the employer’s plan, other arrangements can be made ahead of time.
4. Asking for help is encouraged
Regardless of whether you’re the injured employee or the employer dealing with a claim, understanding workers’ compensation isn’t as easy as reading a few articles. The rules vary greatly – depending on state laws, company size, the type of policy that was taken, and the classification of the employee.
When navigating a workers’ comp claim yourself, you might become overwhelmed. There’s nothing wrong with asking for help from an experienced provider or even an attorney. If you live in Greensburg, a workers compensation attorney can really help you make sense of the process, no matter the side you’re on.
Accidents, no matter how minor or serious, are a sometimes unavoidable part of life. These incidents can happen in the workplace too. But, just because you can’t avoid them doesn’t mean you’re powerless. Educating yourself about your rights and the laws when it comes to workers’ compensation keeps everyone happy, safe, and in business.