The Basics of Workers Compensation


We need to know the basics of the rule on collecting worker’s compensation benefits. Many people work for companies and being protected from any form of unscrupulous act in the workplace setting is important.

The paramount consideration in this rule is that those employees who are injured in the workplace should be fully compensated based on the events that transpired during the accident. However, there are proper procedures to file the claim and certain rules should be taken into consideration.

The Purpose of Worker’s Compensation

If an employee experience work-related injuries, the company must quickly aid the employee through the worker’s compensation rule. In that sense, the worker’s compensation benefits is a form of insurance to protect employees from injuries sustained while working for the company. It will be used to cover the medical expenses and other bills while the employee is still recuperating from the injury. Basically, it is useful to support the needs of the employee who might experience financial difficulties due to the accident in the workplace.

Set Payment Amounts

There is a system followed in paying worker’s compensation benefits. It will decrease once the employee is slowly getting better during the medication.

Kinds of Injuries

There are many types of injuries that are covered in the worker’s compensation benefits. The usual injuries are those hurting a person’s back due to a fall or from lifting heavy things, burns or ailments of the respiratory system due to chemicals. It also includes injuries from traffic accidents and ailments caused by repetitive motions like wrist injury caused by typing. Those injuries that are sustained outside of work shouldn’t be counted.

Benefits for the Injured Employee

The workers' compensation benefits pay costs that are related with medical care, lost wages, and retraining if the damage forces the employee to pursue a new position or line of work. Always remember that workers' compensation payments don't include any pain and suffering that the injured employee might feel in the process.

Legal Repercussions Due To the Accident

The employee may file a civil lawsuit if the injury is caused by the employer's purposeful disregard for employee safety. In case the employee is successful in the claim, he or she might receive more money instead of a workers' compensation claim. Basically, he or she may be able to pursue attorney's fees and punitive damages. To make the process of claiming for worker’s compensation benefits, asking help from an experienced legal counsel is highly recommended.

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Revised: Jan. 17, 2018, 1:23 p.m.
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