Workers’ Compensation provided compensation to employees that have been hurt on the job. It is a state mandated insurance program. Every state has its own laws when it comes to worker’s compensation claims.
Employees have the right to obtain benefits regardless of fault. This insurance is to help protect an employer from being sued for work related injury. Once a person utilizes the workers’ compensation benefits, an employee no longer has the right to try to sue their employer.
Employers are required to purchase workers’ compensation benefits through an insurance company. Some companies that are small are not required to have this insurance. In these cases if an employee is hurt, they must file a claim with workers’ compensation insurance or the self-insuring company.
Workers’ compensation will cover most injuries that occurred on the job. There are some limits. If an employee is under the influence of drugs or alcohol, they are not covered. Coverage is often denied due to injuries sustained when committing a crime, if creating self-inflicting injuries, violating company policy, and if an employee was not on the job at the time of the injury.
Workers’ compensation will cover injuries that are acute and chronic. If you end up with a diagnosis of carpal tunnel syndrome and you type all day, this will be covered. Back problems are another common ailment covered by workers’ compensation. Some illnesses can be caused by work related conditions such as lung disease.
You do not have to be injured at the workplace if your injury is job related. You may be traveling for business and sustain an injury. Maybe you are attending a work related social event.
Related Legal Source: For more information regarding workers compensation please visit the Law Firm of Abrahamson & Uiterwyk. Serving clients in the Tampa Bay area.