The Legal Services Team at the Radmore Law Firm can help you deal with the details of filing for Workers Comp to be certain you comply with all local /state laws and have the necessary and proper medical care.
What Is Workers’ Compensation?
This insurance known as Workmans Comp protects businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work related issue.
Employers and employees need to understand the workers compensation laws in your state. Events such as car accidents following a client visit, slipping on ice or injuries while moving office furniture and much more come under the workers comp insurance protection.
What Does Workers’ Compensation Cover?
The workers’ compensation insurance helps cover medical expenses, lost wages, ongoing care costs, as well as funeral expenses if an employee is hurt, becomes sick, or dies as a result of a work-related accident or illness.
What Is Not Covered by Workers’ Comp?
Here are a few examples of what most workers’ compensation plans do not cover:
• Injuries received by a fight that an employee started
• Injuries an employee sustains due to being intoxicated in the workplace
• Injuries an employee gets intentionally
• Emotional injuries that are not accompanied by a physical workplace trauma
Who Pays for Workers’ Compensation Benefits?
Workers comp insurance is required by most states except New Jersey where it is elective. Employers who do not pay for benefits usually buy workers comp insurance to cover the benefits for employees.
Employees are not responsible for paying for workers’ compensation benefits. The cost of this coverage varies greatly depending on many factors, including:
• State laws
• Business size
• Type of work employees do
• On-the-job risks
What Should an Employee Do if Hurt on the Job?
If an employee is injured on the job, they should report the injury to their supervisor immediately. When the injury is reported, the report should include the date, time, and circumstances of the injury. it’s always best to report the injury as soon as it happens.
Job-related illnesses that worsen over time should be reported as soon as a diagnosis has been obtained by the employee or as soon as they learn the injury or illness is related to their job.
How Do I File a Workers’ Compensation Claim?
Filing a workers’ compensation claim as soon as possible is important. Report a workplace injury or illness if:
• The injured person is an employee of your business
• Your employee became sick due to their work
• The employee gets injured because of job-related duties
• If the employee gets hurt in the workplace.
Make sure your employee gets the proper medical treatment if they’re injured on the job. If you need to, call the ambulance or take them to the emergency room. If their recovery requires time off from work, approve their request.
The Legal Services Team at the Radmore Law Firm can help you deal with the details of filing for Workers' Comp to be certain you comply with all local /state laws and have the necessary and proper medical care.