Workers’ compensation, also known as workers’ comp, is insurance that provides wage replacement and medical benefits to employees injured during employment in exchange for relinquishment of the employee’s right to sue his or her employer.
Below are some common questions we receive regarding workers’ compensation.
Reasons Employees Claim Workers’ Compensation
There are many different reasons why an employee claims workers’ comp. These reasons include overexertion, being struck by an object, falling, machinery accidents and workplace violence. It’s important to note that once workers’ compensation is claimed, an employee can no longer sue their employer for their injuries or other issues encountered in the workplace.
What Does Workers’ Comp Cover?
Most cover medical expenses, lost wages, ongoing care costs and funeral expenses (if needed). Typically, it does not cover intentional injuries, injuries sustained while intoxicated or emotional injuries. What is and isn’t covered or required to be covered is determined by the insurance provider as well as the employer’s state’s laws.
When and How to File a Workers’ Compensation Claim
When it comes to filing a claim, sooner is always better.
If you’re the one injured on the job, contact your supervisor immediately. This will set things in motion. Your employer will then need to gather pertinent information about your injury and the situation surrounding the injury.
If you’re the employer with an injured employee, first make sure your employee gets the proper treatment, whether that means calling an ambulance or providing bandages, First Aid, etc. Once things have settled, collect the necessary information and file the claim. Many states have restrictions and require the report to be claimed in a specific window of time.