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What is Workers’ Comp?

Have you wondered “what is Workers’ Comp anyway?” Workers’  Comp (or Worker’s Compensation) insurance can help protect a business, as well as an employee, from financial loss when an employee is hurt on the job or gets sick from work-related causes.  Worker’s Comp also helps protect employers from potential damages that could cripple a business based on worker’s comp claims.   The goal is to get the employee healthy and back to work as soon as possible.

What is covered by Workers’ Comp?

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 result of a work-related accident or illness.  Injuries that may be covered, but not limited to, falling on ice, injuries while moving office furniture, car accidents following client visits, and more.

 

What is not covered by Workers’ Comp?

Some situations that take place on the job that are not covered by workman’s comp insurance may vary from state to state and are typically determined by different state laws.

Here are a few examples of what may NOT be covered:

* 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

 

What do I do if I am hurt on the job?

If you find yourself in the position of an on the job injury, you need to report the injury to your supervisor immediately.  When the injury is reported, the report should include date, time and circumstance of the injury.  It is always best to report the injury as soon as it happens.

Job related illnesses should be reported as soon as a diagnosis has been obtained by the employee or as soon as they illness is related to their job.

It is very important to make sure you get proper medial treatment if you’re injured on the job.  If you need to, call an ambulance or have a supervisor take you to the emergency room.

 

If you find yourself injured due to a dangerous workplace or accident on the job, you don’t want to negotiate with your employer and insurance company alone, you need an advocate, Know Who to Call, Call Tad Morlan today!

About the Author

tadmorlan@sbcglobal.net
tadmorlan@sbcglobal.net
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