Employee compensation for work-related injuries and illnesses is a type of insurance that safeguards both employees and employers. In the United States, employers must have this insurance, which covers medical bills, lost income, and other related expenses. According to the National Safety Council, work-related injuries cost US employers an enormous $161.5 billion in 2017, underscoring the significance of this insurance. Without it, injured workers could bear substantial financial burdens, and employers could face costly litigation. While workers' compensation laws vary by state, they all strive to help injured workers recover and return to work by providing necessary support. This support preserves the dignity and financial security of the injured worker and shields employers from legal disputes.
What is Covered Under Workers' Compensation?
We acknowledge that workplace accidents can have severe consequences, both physically and financially. Our team of experts is available to assist you with your workers' compensation claim. But what exactly does workers' compensation encompass?
Broadly speaking, workers' compensation covers any injury or illness that arises as a direct result of employment. This includes physical injuries such as fractures or sprains, as well as illnesses caused by exposure to harmful substances or repetitive activities.
It's important to bear in mind that workers' compensation also covers medical expenses related to the injury or illness, as well as lost wages due to time off work. According to the National Safety Council, an average workplace-related injury in the United States costs $41,000.
Ultimately, workers' compensation serves to safeguard both employers and employees. By granting benefits to injured workers, it ensures that they can access the necessary care and return to work as soon as possible. At the same time, it enables employers to avoid expensive legal battles and maintain a safe working environment for all workers.
What is Not Covered Under Workers' Compensation?
As an employee, you have the right to receive certain perks if you sustain injuries while carrying out work-related duties. Workers' compensation is a type of coverage that grants medical attention and wage replacement to wounded employees. However, it should be noted that not every illness or injury is included in workers' compensation.
For instance, if you were under the influence of drugs or alcohol during an accident, you may be ineligible for compensation. Similarly, if you were engaging in playful behavior or breaking company regulations, you might not be covered.
Moreover, if you got hurt while commuting to or from work, or while on your lunch break, you may not qualify for benefits. It's important to comprehend the boundaries of workers' compensation and take measures to safeguard yourself and your privileges.
If you have any inquiries about what is and isn't covered under workers' compensation, talk to our group of experts. We can assist you in comprehending your rights and guaranteeing that you receive the benefits you're entitled to.