Workers compensation insurance helps the employees to recover the lost wages as well as other accreditations in case of any work related injuries. Generally, this insurance is carried out by most of the employers.
The injuries that are connected to any employment condition or requirement are compensable under the worker’s compensation. For instance, the carpal tunnel syndrome caused as a result of the employers working for too many consecutive hours at computer, lung cancer caused at the restaurant that allows smoking, etc.
Check out whether it is work related injury
Basically, a work related injury happens when you do any work in course of the employment or any work done on behalf of your employer. Most of the injuries that can be termed as work related are mostly the ones that occur at workplace.
However, some may even occur in other locations or in vehicles and trucks, while the employees are doing some work connected to their job. This may include company parties or social events that are sponsored by the employer.
If the injury occurs during the lunch break, then it might be considered as work related, only if it is caused at company’s cafeteria or on the property owned by the company or the place connected to course of employment.
For example, if the employee gets injured while having lunch or dinner with client at restaurant, then such injury may be called as work related.
Moreover, mental injuries including depression or anxiety may also be covered if they are caused by job and preexisting condition that may be worsened during course of employment can also be covered. Let us take a look at some other important basics about workers’ compensation.
Some types of expenses covered under workers’ compensation
The payments are normally modest. However, the following expenses are covered under the workers’ compensation insurance.
- Compensation for any kind of permanent injuries
- Retraining costs
- Medical care from illness or injury
- Replacement income
- Benefits to the survivors of the workers that are killed on job due to work-related injuries
It must be noted that the workers’ compensation don’t cover suffering or pain. If someone collects the workers’ compensation benefits, then they can’t sue the employer.
Wage replacement is generally 2/3 of worker’s average wage or salary, but there is fixed maximum amount that benefits can’t go over. It may seem modest, but these benefits may not be taxed. As long as employees are making fair wage, they should have no serious problems.
Most types of the employees are generally covered by the workers’ compensation insurance. States normally exclude some of the workers from coverage and are listed below.
- Farmers or farmhands
- Business owners
- Independent contractors
- Casual workers
- Railroad employees
- Maritime employees
- Employees of the private homes
Since the employees of federal government are normally covered by federal workers’ compensation, they aren’t covered by the state workers’ comp. Some states don’t enforce the workers’ compensation program on the employers with less than 3-5 employees that are working for them. However, this may vary from one state to another.
Accidents may occur on the job. They should be well covered by the workers’ compensation insurance. If you too have been injured while working and your employer disputes your workers’ compensation claim, you must get legal help from professional workers comp lawyer near Apex.
This article has been written by Stephen Heyer. In case of any legal assistance related to workers’ compensation, you can easily find workers comp lawyer near Apex on wilsonreiveslaw.com. Just visit the website to find experienced and qualified workers’ comp lawyer.