There are many resources and law firms that spew information as to how to retain workers compensation and debate endlessly with about how much is enough, and how long is a sufficient period of time. But where exactly does Workers Compensation, or “Workers Comp” for short, come from? And who is actually eligible to receive Workers Compensation? There are probably many employees who either assume that they would receive payment in case anything happens but there may also be workers who have no idea as to what would happen. So how does it all work?
First of all, you must sustain an injury, non-intently, while on the job or possibly be exposed to something, either toxins or chemicals, that could make you sick. Many construction workers or repairmen, for example, can often be exposed to toxins that live within certain units of buildings without having prior knowledge. However, just because you have an accident at work with sustained injuries, does not mean you are automatically entitled to benefits. The Workers Compensation Claim Process can be complex and tedious, depending on the injuries and the accident. This is why it’s important to remember a few things if you have been or happen to have an incident at work.
Whether minor or major at any given time, remember to always report your injuries to your superiors. Not every job has the benefit of having an HR department, so make sure find out who your supervisor is and proceed from there. You should receive paperwork and help to obtain medical treatment. If you don’t, that is a red flag.
Unless it’s an emergency, whereas you would most likely (and hopefully) be transported to a hospital via ambulance, your referral for medical treatment must come from your employer. Moreover, it is a good idea to visit the medical professional(s) where your employer refers you to. This is more of a legal suggestion more than anything else, but it will ensure that your appointments and possible treatments, such as drugs and surgeries, will be covered by your workers compensation payments. Wherever you go, always remember to tell your doctor that you have sustained the injury while on the job.
If an employer claims that the injury you sustain happened to be your fault, take it for a grain of salt. It depends on the accident and which state you might be working in. There is also no reason to eliminate the possibility that your employer could be lying. After all, you most likely never intended to be injured or taken a risk that led you to that. Make sure to find a reputable workers compensation attorney and speak to them about filing a claim. It never hurts to try.