Employee benefits for work-related injuries or illnesses are provided by worker's compensation, which is a form of insurance. These benefits can include lost wages, medical treatment, and rehabilitation. In the United States, each state has its own system for worker's compensation, and employers must provide coverage for their employees.
The National Safety Council reports that there are 4.6 million workplace injuries per year, with a worker being injured every seven seconds. This makes worker's compensation an essential safety net for employees who may suffer from a work-related injury or illness.
However, the worker's compensation system can be challenging and perplexing to navigate. Our team of professionals can assist injured workers in comprehending their rights and obligations, filing a claim, and guiding them through the process to ensure they receive the benefits they are entitled to. Contact us today to discover how we can help.
What is Covered by Workers' Compensation?
In the event of an employee sustaining injuries while performing their job, workers' compensation comes into play to offer necessary assistance. Essentially, workers' compensation is a mandatory insurance that employers must have for their employees. It is designed to provide benefits to those who have been injured or have become ill as a direct result of their work. These benefits include coverage for medical expenses, lost wages, and rehabilitation costs.
Annually, an estimated 2.8 million workplace injuries are recorded in the United States. Workers' compensation serves as a safety net for employees, allowing them to focus on recuperation with the assurance of receiving the financial support needed to cover their expenses. The coverage eliminates the financial burden of lost wages or medical bills during recovery.
It is important to note that workers' compensation only caters to injuries or illnesses directly related to an employee's job. For example, if an employee is injured while performing a work-related task, they are covered. However, if an employee is injured while engaging in a personal activity during work hours, they may not be covered.
State laws and regulations concerning workers' compensation vary; hence, it is advisable to consult a workers' compensation lawyer to ensure that you receive the benefits you are entitled to. Our team of professionals at Long Beach Workers Compensation is available to guide you through this process and ensure you receive the compensation you deserve.
What is Not Covered by Workers' Compensation?
When an employee is harmed while performing their job duties, Workers' Compensation is available to offer medical coverage and wage replacement benefits until the employee can return to work. However, some injuries or illnesses may not be covered under Workers' Compensation.
For example, if an employee is impaired by drugs or alcohol while on the job and is injured, their claim for Workers' Compensation benefits may be rejected. Likewise, if an employee is hurt while engaging in misconduct, participating in horseplay, or breaching company policies, they may not be qualified for Workers' Compensation benefits.
Furthermore, Workers' Compensation typically does not cover injuries that occur during an employee's commute to and from work, which is known as the "coming and going" rule. Nevertheless, if an employee is injured while performing a task for their employer or while traveling for work, they may be eligible for Workers' Compensation benefits.
It is critical for both employees and employers to comprehend what is and is not covered by Workers' Compensation. Our team of professionals can assist you in navigating the complex legal issues connected with Workers' Compensation and guarantee that you receive the benefits to which you are entitled.