Most of us understand that we may file a workers' compensation claim if we suffer an injury at work, but when exactly "work" begins is not always as clear. In general, the law does not include an employee's commute as part of one's work, so it is unlikely that you may file a workers' compensation claim if you suffer an injury during your daily commute. However, there are some exceptions to this general rule, known as the "coming and going" rule.
Workers' compensation benefits offer some important protections and provisions to employees who suffer injuries on the job. Benefits range from medical care and ongoing treatment for work-related injuries, to monetary compensation for income lost because of these injuries, as well as compensation for future lost income for injuries that cause permanent loss of functionality.
Workers' compensation can provide many important protections for workers who suffer injury on the job. But what about employees who experience an injury on the job and cannot fully recover from it? In many cases, injuries suffered on the job lead to some form of permanent disability. Workers' compensation does feature mechanisms to compensate individuals for permanent disabilities, but it is unlikely that a workers can truly trust the insurance provider to fairly offer compensation without some professional guidance.
When people discuss workplace injuries and workers' compensation, they generally refer to physical ailments and injuries brought on by work conditions or accidents. However, not all painful injuries are purely physical. In some cases, an employee may suffer emotional or mental harm in a work environment. While these injuries are more difficult to diagnose and understand, they are still very much real injuries, and should be addressed as such.
If you suffer a work-related injury, your employer has certain responsibilities toward you. Unfortunately, some employers need a little encouragement to fulfill their responsibility. While the law is generally on the side of the injured worker, enforcing the law may require getting some professional help.
The concept of workers' compensation insurance is one that is thrown around in conversation or mentioned on television regularly, but not all workers properly understand it, especially when it comes time to file a claim. If you have concerns about a workers' compensation claim, or if your employer balks at covering an on-the-job injury, you can take steps to understand and protect your rights as a worker.
One of the best ways an employer can boost overall employee productivity is by maintaining a safe workplace. While this may seem counterintuitive -- because of the time required to maintain safe practices and educate employees --employers who skimp in these areas suffer from financial and productivity losses when employees get injured and can't do their jobs. Ultimately, protecting workers from injury pays dividends to employers in the long run.
When a person is injured on the job, workers' compensation is called upon to make the situation right again. This arrangement does offer protection to employees, but it also protects employers. Without some strong representation, many employees find that the compensation the employer offers them is far less than they actually deserve. Workers' compensation benefits can cover a number of areas, depending on the nature of your injury.
When you suffer an injury on the job, you might think that you simply need to report the injury, file a claim and receive treatment for your injury. However, in some cases, a claims administrator may not approve your treatment. Workers' compensation does cover employee injuries to keep the employer from fielding too many lawsuits, but not every claim is automatically approved. If a claim administrator believes your claim does not warrant treatment, it may get denied. This may create tensions around how you'll recover from your injury and who will pay for the costs of that recovery.
If you suffer an injury on the job, or even if you are tragically killed while at work, workers' compensation insurance provides a number of different benefits to you and possibly your loved ones. Understanding all of the available types of benefits you might receive in a workers' compensation settlement can help ensure that you don't receive less than you deserve.