Injuries occur at work often, regardless of whether it’s at a construction site or an office. But how does workers compensation work?
Unfortunately, few understand the ins and outs of the law and insurance, and many find themselves frantically trying to catch up at the worst possible time—after an injury. Not only is it important to understand, how does workmans comp work, but how does a workers compensation claim work? Not only that, but what about trials? How does a workers comp settlement work?
At its most basic, workers compensation insurance helps to pay a worker’s medical expenses and the cost of rehabilitation. If an employee needs to miss work because of his or her injury, it can also provide for some lost wages. It may even cover death benefits, should an employee be killed during work.
Workers comp requirements and benefits do vary according to where the employees and the business are based, but most businesses are required to maintain coverage. The exception is often freelancers and sole proprietors, because they are only responsible for themselves. However, a policy can still be a good idea for these people, as it covers lost income in the event of an accident.
How does workmans compensation work when it’s time to file a claim? First, it’s important to act right away by immediately reporting the incident to your employer. Not doing so risks passing the reporting period. Too late, and you might not be eligible to receive benefits.
Once the injury is reported, it’s time to:
No matter what safety policies are in place, there is always some risk of a workplace injury. Consider these figures from the U.S. Bureau of Labor Statistics:
Because employers are responsible for worker injury, nearly every state requires businesses carry worker’s comp coverage. Without this insurance, businesses would have to pay from their own reserves not only for medical fees but also fines.
Having insurance is obviously not enough, and is only one part of the puzzle. There are a few simple things business owners can do to encourage a safe work environment and help prevent injury:
If you think you may have a workers comp case, it’s important to act fast. Many injured employees feel uncomfortable talking about their injuries, or are concerned that talking with a lawyer can be very expensive. These are legitimate concerns to have, but it’s important to understand that not having proper legal counsel can cost you lost compensation, or even losing a trial itself.
In fact, it’s possible to get a free case evaluation. Davis & Sanchez offers you:
It’s important to act quickly, and choose a competent team you can trust. Davis & Sanchez are only workers comp lawyers, so you can trust that they provide the height of excellent, knowledgeable service, and the dedication needed to help you win. Get on the path to benefits and fair compensation with a free consultation today with Davis & Sanchez. We have top workers comp attorneys in Utah & the best workers comp lawyers in Idaho. Feel free to reach out and get the help you deserve.
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