Workers’ compensation was created in order to protect all employees who were injured when on the job. In most cases, contractual and casual employees cannot receive such benefits though, which includes great things like medical costs, rehabilitation costs, and lost wages.
This state-mandated business insurance program usually uses the services of state or private insurers. However, in the case of bigger companies, self-insurance is possible.
As an employee, workers compensation is highly beneficial. But, few employees actually know much about this insurance option. So, here are some very important things everyone needs to know.
Work Comp Laws Vary From One State To Another
State governments regulate workers’ comp programs. Rules and regulations are always meant to suit local requirements. As a result, several differences appear from a state to another when referring to claim processes, benefits, premiums, and much more. This is why you absolutely need to hire lawyers that fully understand workers’ state compensation law.
Public funds are often used to cover benefits. Even so, companies do need insurance coverage in order to pay the benefits.
Workers’ Compensation Lawyers Do Work Based On A Contingency Basis
When handling compensation cases, lawyers often choose contingency arrangements. This means the lawyer will be paid just a percentage of the final settlement. In the unwanted situation that you lose the claim, no fee needs to be paid. Even so, you have to be careful when you sign your contract because it might include the responsibility of paying some out-of-pocket expenses, like deposition costs, expert witness fees, and court fees.
It Is Not Up To You To Prove Fault
One of the great things about workers’ compensation is that it is a program based on no-fault. This means you do not have to prove any fault in order to receive compensation. How much you are offered will also not be affected by personal carelessness or employer fault. Even so, your rights might disappear if you were influenced by drugs or alcohol, or you were breaking the law. Regardless of the situation at hand, always talk to the attorney before the claim is filed to see what your options are.
You Don’t Just Receive Monetary Compensation
Through workers’ compensation insurance, you do not just get to cover medical bills. You also receive financial help for expenses during the recovery phases. Rehabilitation rights are definitely included. In many US states, when you are injured at work and you cannot get back, vocational rehabilitation benefits are available. While benefits do vary from one state to the next, the employer can help you to get the maximum that you are entitled to.
Time Is Very Important
There is a time limit in which you have to file the compensation claim. Once again, this does vary and how serious your injuries are will influence the deadline. Moderate or minor claims have to be failed in under thirty to ninety days. When severe injuries appear, there can be a considerable increase in this time limit. The same goes for disabilities and occupational diseases. Your lawyer will let you know more about these limits.
