We often hear about workers’ compensation. But what is workers’ compensation and how does worker’s compensation work? It is important to understand about it in detail.
How Does Worker’s Compensation Work?
When an employee is sick or injured and if the injury occurred at the workplace, it becomes the responsibility of the employer to provide the employee the full medical expense as well as the cost of rehabilitation. In case an employee is forced to remain absent due to the illness or serious injury then the worker is also liable to get either full or partial wages. In case the employee dies while doing the job-related work then the family of the employee can get the death benefit as well. There are various benefits under worker’s compensation.
Every employee should know that workers’ compensation is just like an insurance program with the help of which an employee is insured for illness as well as injuries that happen while working at the job. Worker’s compensation is a mandatory thing that every state has implemented and it has certain rules and regulation. However, the rules of workers’ compensation may differ from state to state but it is very essential for every employer to acquire such type of insurance for their employees. Knowing about how does worker’s compensation work can help employees be aware of their rights
With the help of workers’ compensation the employee can receive all the necessary medical care if they sustain an injury or illness. However, it is very important for the employee to know how to claim the worker’s compensation at the time of necessity. This is an important part of how worker’s compensation works.
Here are some of the things that they would need for claiming workers’ compensation are:
Reporting the Employer About the Injury or Illness. It is very important to report the employer about the illness or the injury as soon as possible. However, every state has some different time period for reporting. If the worker reports the employer after the reporting period then it is not possible to claim the worker’s compensation.
Visiting the Approved Hospital. It is mostly seen that the organization has tie-up with most of the hospitals and health care units. It is very essential to seek medical assistance immediately in those approved hospitals or health care units without any delay. Then the doctor will issue the medical report of the workers. This medical report is very essential to claim for the workers’ compensation.
Filing the Claim Documents. Once you get the medical report and have reported the employer about the illness or injury you need to file the claim with the insurance company of the employer. The file will be claimed in mandatory paperwork or form in which you need to attach your medical report file. When you will claim the file you will get the compensation at a definite deadline.
Returning back to Work. After receiving the benefits of the workers’ compensation, the injured employees will return to work. However, it depends on the recommendation of the doctor who is treating the injured patient. Once the employee returns to the work it becomes the duty of the employer to provide the reasonable accommodation to the worker so that the injured worker can work safely and comfortably in the workplace.
It is true that there is no such workplace which is completely safe and which does not have any sort of risk. That is the reason why even if a company has a comprehensive safety policy, the workers are not completely free from risk. For any unforeseen mishaps and health or safety issues at workplace, it is very essential that you know how does worker’s compensation work and be aware about how to take the benefit of worker’s compensation in details.
U.S. Department of Labor: “Workers’ Compensation” by Office of Workers’ Compensation Programs, U.S. Department of Labor Link: https://www.dol.gov/general/topic/workcomp
National Federation of Independent Business: “Workers’ Compensation: How It Works” by Patricia Sigmon, National Federation of Independent Business Link: https://www.nfib.com/content/legal-compliance/legal/workers-compensation-how-it-works-60316/
FindLaw: “Workers’ Compensation Benefits Explained” by FindLaw Staff Link: https://www.findlaw.com/workers-compensation/workers-compensation-basics/workers-compensation-benefits-explained.html