What Does Workers Compensation Mean? - Law Office of Jon Marlowe

What Does Workers Compensation Mean?

Workers Compensation | Utilization Review (UR) | Workers Compensation
February 16, 2022
what does workers compensation mean

Being injured in the workplace can be a stressful and overwhelming experience. Worker’s compensation is a form of insurance typically paid for by the employer, which provides coverage to employees who have been injured on the job. The program was created to ensure that workers injured while performing their tasks received medical treatment and lost wages, regardless of fault or who was at fault for the injury. The following information will help you understand your benefits and what you should do if you’re hurt at work.

The basics of workers compensation 

Here are some basic facts about workers compensation:

  •         The time period for benefits depends on your state but usually begins within 72 hours of the injury or illness’s onset.
  •         You can file a claim online or over the phone with your state’s workers’ compensation agency.
  •         You don’t need an attorney to file a claim, but you may want to consult one if you’re entitled to more than $500 in benefits or if your employer disputes your claim.
  •         The insurance pays for medical treatment and lost wages, but these benefits have some limitations. In all cases, the employer is required to provide or arrange medical treatment for an injury.
  •         However, there are instances where the employee may not be entitled to lost wages. For example, if the employee gets hurt due to his own negligence or intoxication at work, he might not be entitled to lost wages. 

When should you file a claim? 

If you are hurt at work, the first thing you should do is make sure that you report your injury to your employer. This will let your employer know how serious your injury is and that it needs to be treated. You should also note what caused the injury and if there are any witnesses. Once you have done this, see a doctor for an examination.

You should file a claim with Workers Compensation as soon as possible. This will help ensure that you get the proper medical treatment and the lost wages you deserve while working through the process of recovering from your injuries. If you don’t file a claim within 30 days of being hurt on the job, you may not receive all of the benefits available to you under these programs.

What should you do if you’re denied coverage? 

It’s important to note that injuries can be handled in a couple of different ways, and not all states follow the same guidelines. If you find yourself in a situation where you were denied coverage, you should contact your state’s workers compensation commissioner.

If you did not receive medical treatment after your injury, this might also indicate that your claim was rejected. However, it may be difficult to verify what happened in these cases if not given any information from your employer or insurance company about the status of your claim. It is always best to contact the proper authorities if you feel like anything isn’t right. The last thing you want is for something serious to go untreated because of an error or misunderstanding.

Some people may find it helpful to take notes when they’re injured at work to remember how things progressed and when certain events took place to understand their situation better and advocate for themselves.

Conclusion

Worker’s compensation is a type of insurance that provides financial support for injured employees who experience a work-related illness. To receive benefits, you must be able to demonstrate that your injury or illness has resulted in a disability that prevents you from performing the same work you were doing before the injury or illness occurred. To file a claim, you must prove that your injury or illness resulted from your employment.

We Can Help

If you need help, don’t hesitate to contact the Law Office of Jon Marlowe at (925) 302-9176 for more information.