No matter where you work, you should always be covered. Worker’s Compensation is a form of insurance that offers medical and wage benefits to individuals who are injured or become ill as a result of their job. The benefits provided and the laws governing worker’s compensation insurance vary by state, with employers required to carry worker’s compensation insurance for their employees.
When an employee is injured or becomes ill, they must immediately report the injury or illness to their employer, who will then provide the necessary forms for filing a claim for worker’s compensation benefits. Medical documentation must be provided to support this claim.
The four major benefits U.S. Department of Labor’s Office of Workers’ Compensation Programs (OWCP) include are:
- Medical Treatment
- Wage Replacement Benefits
- Vocational Rehabilitation
- Other Benefits
In some cases, disputes may arise over whether a particular injury is covered by worker’s compensation or the amount of benefits due. Both employers and employees can attempt to resolve these matters through mediation, arbitration, or a hearing before a worker’s compensation board. Failing a successful resolution through those methods may require legal action in court.
If you have been injured at work, it’s essential to speak with an experienced attorney knowledgeable about worker’s compensation laws and procedures so you can protect your rights and pursue whatever remedies may be available to you.
