Workers' compensation laws are not all that complicated unless you have incurred a very serious injury at your place of employment. In cases of sever injury, you should always get advice from a workers' compensation lawyer to be sure that your injuries and rights are taken care of in the proper manner.
In cases where the injury is rather common, cuts, contusions, sprains, pulled muscles or simple breaks - here is the procedures that will produce the most effective method of getting your injuries taken care of properly.
Workers' compensation is simply an insurance policy that the employer provides for all their employees in the event of an on the job accident and injury. Most States have what is called no-fault workers' compensation insurance. This allows the company to take care of your medical cost due to an injury without having to claim fault or liability for the accident. By taking care of your medical cost and sometime lost wages, the employee is not allowed to sue the company for the injury.
The reason the law is set up this is two fold. To be able to provide medical treatment for an employee for an on the job injury with out hassles of litigation for common accidents that do occur at the workplace. By handling injuries in this manner, the company is protected from being sued for a simple cut or broken finger. It sounds pretty simple and that is the basic of how and why it is set up that way.
How To File A Claim
This does not take a ton of paper work on the employee's part just to file a workers' compensation claim. The first thing that you do when you have incurred an injury on the job is to report the injury immediately when it happens. Not tomorrow, next week or whenever you feel like it. You need to report and show the injury and then it is up to the company to fill out the appropriate paper work and get you off to the Hospital or Doctors so as to be treated for your injury. It is as simple as that.
You get injured, report the injury, go to the Doctor and get treated, the company pays for it and you go back to work when the Doctor says it is ok to return back to work. Another good part of the insurance is that the employee also can get reimbursed. Paid for lost wages that have incurred due to the injury if they are out of work more than seven days - which is the waiting period. After seven days and you are still unable to return to work, then you can start receiving lost wage benefits at the rate of 2/3 your average weekly rate of pay.
Benefits are also available for longer term or permanent disability as well as a lump sum payment if the injury is substantial. Rest assured that if you do get injured on the job, there is insurance made available to take care of all your medical expenses.
Find workmans comp doctors at the listed website.
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