An Overview on the Workers Compensation Insurance Program

No doubt you’ve heard the term “workers compensation.” You may have a general idea of what it is, especially if you know someone who has been injured on the job. But what you may not know is how workers compensation actually works, and this knowledge may come in handy if you ever find yourself having to file a workers compensation claim.

Workers compensation is a type of insurance program that most employers are required to establish and maintain. When a worker is injured on the job, the employee can file a claim. If the claim is approved, the worker receives compensation for lost wages and medical care.

These programs are mandated by the state, and employers must post notices informing employees of their rights if they are injured on the job. Workers compensation forms must be supplied to an injured employee within 24 hours of the incident. Only employees are covered under the workers compensation program: independent contractors are not covered.

If the employee’s claim is approved, the employee receives payment for lost wages, prescriptions, and medical expenses. Any injury that involved drugs, alcohol or is self-inflicted, or happened while the employee was violating company policy, is not covered. When an employee accepts workers compensation, he forfeits the right to sue the company unless the injury was the result of an intentional or reckless behavior on behalf of the company.

If the injured employee does not recover to the point he can return to work, or if he has limitations as a result of the injury, he could qualify to receive disability payments. In the event the injuries caused the employee’s death, the surviving family may be entitled to compensation, along with lost wages, burial and funeral expenses.

If you’ve been injured on the job and you believe you qualify for workers compensation, contact us for a consultation.

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