Suffering an injury on the job causes a lot of stress. Depending on the severity of the injury, you could miss quite a bit of time at work. When you are out of work, the bills will begin to pile up, including medical expenses, utility bills and even rent or mortgage payments. You don't want to find yourself in a precarious financial situation. Here's how you can file a workers' compensation claim in California.
When a worker suffers an injury on the job, he or she may receive a number of benefits beyond monetary compensation for lost wages and the medical expenses of the recovery. In some cases, an employer may be responsible for providing vocational rehabilitation to the injured worker. Such assistance can meet a variety of needs the worker faces in the aftermath of an injury or illness.
Workers' compensation is a complex system that protects both workers and employers from the financial fallout of work-related injuries. Professionals who deal with workers' compensation claims every day understand that the process of filing a claim and pursuing fair compensation after a workplace injury can be a lengthy process. That means that many opportunities for an injured worker to miss important benefits may be missed.
When a worker suffers an injury on the job, workers' compensation steps in to provide immediate support and ensure that the worker receives the medical care he or she requires. Once the urgent medical needs of the worker are met, workers' compensation may cover a number of expenses while the worker recovers.
California lawmakers continued to expand patient protections recently by introducing a bill that would expand protections for workers who develop work-related breast cancer. Under the new bill, doctors who evaluate and diagnose patients with work-related breast cancer would abide by the American Medical Association's guidelines, which define the factors a doctor may consider when making a diagnosis for a workers' compensation claim involving breast cancer.
In general, when an employee receives workers' compensation benefits, those benefits are not taxable at either the state or federal level. However, many workers do not realize that there are some specific exceptions to this practice that can cause serious problems if an employee does not realize the way that these benefits may impact other areas of one's financial life and tax burden.
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.