What You Need to Know About Workers Compensation
Work can sometimes be hazardous, and even if it’s not, accidents happen anyway. And when they do happen at work, employers are often liable and end up paying benefits and medical claims. In fact, in 2012, workers’ compensation costs to employers were $83.2 billion in total in September of that year, employer costs for employee compensation for civilian workers averaged about $33.37 per hour worked.
However, just because you suffer an injury on the job, you don’t automatically get reparations from your employers.
Here are some important facts to keep in mind about workers compensation and the laws surrounding certain situations:
- Benefits, when they are rewarded, cover several areas, including wage loss, medical expenditures (isolated and continuing), and death benefits. Usually, the wage-loss benefits cover one-half to two-thirds of the employee’s average wage.
- “Covered employees” are defined by the law — usually, employers are not obligated to pay workers compensation benefits for contractors
- When you sign on with an employer who had workers compensation benefits, you forfeit the right to sue that employer
- Although you may not be able to sue your employers in many cases, employees retain the right to sue third parties that may have been negligent in the case of a work place injury
- Fault is not an issue in most cases, whether an accident was caused by employer negligence or a workers mistake — state mandated law says that the employee must get the benefits
There is a reason why there are specific state mandated laws in place to guarantee a worker proper benefits if they experience a workplace injury. An estimated 917,100 work-related injuries in 2013 necessitated some time off work. If you feel like your claims were not taken seriously, or you were not properly compensated for, it is vital that you consult with a personal injury lawyer or workers compensation lawyer as soon as possible. It is also important that you keep your own records so that you understand all of the details of your case. Your workers compensation lawyer can help to secure the benefits that you are entitled to.