Receive Your Due: What Is Workers’ Compensation?

 

Workplace injury is something that many people never think of. However, that doesn’t mean that it isn’t a growing problem that we need to tackle. After all, 2019 saw the number of workplace injuries reach higher levels than we’ve seen in 12 years.

That’s why workers’ compensation exists. It’s there to protect employees when workplace accidents happen and ensure they get the help they need.

The question is, what is workers’ compensation, and how is it helpful to you? Keep reading to learn the answers.

What Is Workers’ Compensation?

It’s the job of your employer to provide a safe and secure environment during the workday. However, that doesn’t mean that accidents will never happen.

Workers’ compensation is an insurance policy companies purchase for their workers. If an accident ever happens at the workplace, your employer’s workers’ compensation policy will come into play. You’ll file a claim like you usually would with your insurance provider, and the insurance company will provide compensation for your injury.

How Does Workers’ Compensation Work?

Now that you know what workers’ compensation is, you need to understand how the process works. Here are the steps you’ll go through when filing a claim.

See a Doctor and Notify Your Employer

The first step to take when suffering from an injury is letting someone know it happened. If your injury is severe, you’ll need to see a doctor. Your doctor’s diagnosis will help the insurance company pay out your claim.

Since your employer will be the one filing the claim, you’ll need to notify them of the injury. Let them know as soon as possible, and they’ll give you the claim form to fill out.

Give the Insurance Company Details

You’ll need to give all the information you can to the insurance company if you want to get compensation for your injuries. Here are a few details to keep in mind:

  • Time and place of injury
  • Cause of injury
  • Specific injury details
  • Accident witnesses

The more information you can provide an insurance company, the easier time they’ll have an easier time figuring out your claim. As long as you provide information that shows without a doubt that the accident couldn’t have been avoided, you should be able to get compensation.

Get Compensation Details

It shouldn’t take long to get your claim results after you file. Governments require insurance companies to provide quick responses to these claims. If they take too long, you can win by default.

In most cases, you’ll be able to get a lump sum settlement or staggered payments. Think of your ideal choice and take it.

Of course, not all claims will be successful. A workers’ compensation lawyer can help by guiding you through the appeal process. Make sure to look into more info about what a lawyer will help you with during the appeal process.

Workers’ Compensation Is Beneficial for Every Employee

Even though accidents don’t usually happen at most jobs, that doesn’t mean they never will. You need a way to get compensation if it ever happens to you on a job site. Now that you can answer the question, “what is workers’ compensation,” you know where to turn if you ever suffer from an injury on the job.

Are you looking for more information about your rights when you work at a job? Check out the blog to see other posts that will help.