Injury or illness in the workplace is a common occurrence. It’s important to know what to do if you become injured.
What exactly is worker’s compensation?
Workers’ compensation is an insurance providing wage replacement and medical benefits to employees injured while on the job, forfeiting the employees’ rights to sue the employer. Receiving worker’s compensation benefits includes wage replacement, medical treatment and vocational rehabilitation. Workers’ compensation varies from state to state, so it’s essential to look at the state you are employed in when looking to file a claim.
When should I file the claim?
It’s important to note that workers’ compensation is only given to people who have had a work-related injury. This includes accidents, diseases, trauma injuries or illnesses caused by exposure.
If one of those occurrences happens to you, you are able to file the claim immediately. Make sure to note the time and place of the accident, as well as a detailed description of what happened. Additionally, attorneys will advise you to file as soon as possible in case of any delays happen during the filing process.
How do I file a claim?
Find the workers’ compensation forms for the state you are employed in. Complete the employee section and send the form to your employer right away. If you decide to mail the form to them, use certified mail so that you have a record of the date it was mailed. You may want to record the date it was received as well.
Once your employer finished the form, they should forward the claim for to the insurance company. You should also receive a copy of the completed claim from your employer. If you are not given a copy, request one from your employer and keep it for your records.
Being injured or becoming ill while on the job isn’t always preventable. Receiving the benefits that come from filing a workers’ compensation claim is the best way to ensure you are able to afford your recovery.