Facts Every Employee Should Know About Workers’ Compensation
Posted: Jul 25, 2014
When you get hurt on the job, workers’ compensation is insurance coverage paid by your employer that is there to help you pay your medical bills and compensate for any wages you lose from lost time at work. Most people don’t know anything about finding a workers compensation doctor or filing a claim since they have likely never had to do it before. Although there are some exceptions to the rule, almost every employer is required to purchase workers’ compensation insurance. These are some tips to help you in case you are ever injured on the job.
- Always report any injury or illness that you experience as a result of your job to your doctor. It should also be on record with the human resources department of your work place, or whoever is responsible for accident reports, so that there is a record of the accident in case you develop complications down the road. They should also offer help in getting the right medical treatment for your injury. If you file a claim later on and have to go to a workers compensation doctor, take copies of the report with you.
- Even if you are sure you have an injury that is covered by workers’ compensation, don’t hesitate to go to the emergency room if urgent care is needed. If the situation is not an emergency, the employer may direct you on which medical treatment facility you need to go to in order to have your medical bills paid.
- Seek treatment immediately. Wherever you go for treatment, tell the workers’ compensation doctor and nurses that you received the injury at work. This will result in their sending the bills for your medical treatment to the worker’s compensation insurance company or to your employer. Make sure that the medical provider you see is certified as a workers compensation doctor and that they have agreed to the pay schedule.
- Have the medical personnel share your medical records with you to ensure it includes every detail of how your accident occurred and the details of any part of your body that was injured. You can’t expect to be compensated for any injuries that are not listed in your medical records.
- Your employer should have all the information you need to choose a
- Don’t believe your employer if they tell you that you aren’t covered because the accident was your own fault. Even if you did something that they feel is questionable, you will still be covered.
- Never consume alcohol or use drugs before going to or at work. Most employers will require a drug test if an accident occurs and workers’ comp does not pay claims if you are not sober.
The most you should expect from worker’s compensation is to have your medical bills to the workers compensation doctor and other medical bills paid and to be compensated for time lost on the job. Big payouts rarely happen and most of the time, the individual only receives a portion of their regular salary.
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