Accidents happen, even in the workplace. When employees are injured while performing their work duties, their ability to provide for themselves and their families may be jeopardized. This is where workers' compensation comes in. Workers' compensation is a type of insurance that provides medical benefits and wage replacement to employees who are injured on the job. If you have been injured while working or have questions about workers' compensation, it's important to learn more about the most commonly asked questions regarding this type of insurance:
1. What is Workers' Compensation, and Who is Eligible for it?
Workers' compensation is a type of insurance that benefits employees injured on the job. Every state in the US has laws regarding workers' comp, but almost all employees are eligible for benefits. This includes full-time, part-time, seasonal, and temporary workers, which applies to white-collar and blue-collar jobs.
2. What Types of Injuries are Covered Under Workers' Compensation?
Workers' compensation covers many injuries and illnesses that occur while working. Some of the most common injuries include slips and falls, back injuries, repetitive motion injuries, and machinery or equipment accidents. It also covers occupational diseases, such as lung diseases, cancers, and other illnesses that are caused by exposure to toxic substances.
3. How Do I File a Workers' Compensation Claim?
If you have been injured at work, the first step is to seek medical attention immediately. Once you have received medical care, it's important to report the injury to your employer as soon as possible. The details on how to file a claim will vary depending on your state's laws, but in general, you will need to submit a claim form to your employer or their workers' compensation insurer.
4. What if My Workers' Compensation Claim is Denied?
You can appeal the decision if your workers' compensation claim is denied. You may need to provide additional evidence to support your claims, such as medical records or witness statements. You should consult with an experienced workers' compensation attorney to help you through the appeals process.
5. Should I Hire a Workers' Compensation Attorney?
If your injury is minor and doesn't require you to miss much time from work, you may not need an attorney to help you file your claim. However, if your injury is serious, and you will be missing a significant amount of work, it's recommended that you consult with an experienced workers' compensation attorney. An attorney can help you navigate the complicated claims process and ensure you receive the maximum benefits you are entitled to.
Our Firm Wants to Help
Workers' compensation is an important insurance policy that protects employees who are injured on the job. It is a complex system with many rules and regulations, which can be confusing. By understanding the most commonly asked questions about workers' compensation, you will be better equipped to protect yourself and your family if an accident occurs. If you need legal assistance with your workers' compensation claim, contact the team here at Funderburg, Sessums & Peterson, PLLC. Our skilled workers' compensation attorneys want to help you get the best possible outcome.Contact our office today at (601) 514-6544 or visit us online to schedule a free consultation with a member of our team.