Wondering who qualifies for worker’s comp and why? If that’s the case, then you’re not alone.
There are more than 155 million employees throughout the United States, working in a huge range of industries. Whether you work in construction, healthcare, or as a lawyer your job is extremely valuable. It provides stability and security for you and anyone that you care for.
So having an accident in the workplace can pose a serious threat to your job. Unfortunately, 2.8 million non-fatal workplace accidents take place every year in the US. That is why workers’ comp is extremely important. It can help to support you and your family financially while you recover.
Not sure how workers’ compensation works? Read on to find out everything you need to know about workers’ comp codes and how they could help you.
What is Workers’ Comp? Workers’ comp insurance is a type of employer’s insurance that some workplaces use to cover their employees for accidents. It helps employers pay out on claims against them.
How Can It Help You? When an accident happens, you will almost certainly need to take time off to recover and may also wrack up medical bills, putting a huge strain on your finances. Fortunately, this is where workers’ compensation insurance can help. A successful workers’ comp claim means you will receive significant financial support. This is something you receive top of any sick pay your employer gives you.
You can claim for different amounts depending on the severity of your injury and the length of your recovery. Some injuries, such as repetitive strain injuries, can also have long term implications for your health. Because of this, you can make a bigger claim for them.
Who is Eligible for Workers’ Comp? There are several terms that you need to meet in order to apply for workers’ compensation. First and foremost you must be an employee of a company that has workers’ comp insurance. This means anyone who works as a business owner or in a freelance capacity will not be able to apply for workers’ comp.
If your employer doesn’t have workers’ comp insurance, this means you won’t be able to make a claim. However, you may be able to make a separate insurance claim for your workplace injury anyway. In order to make a claim for your injury or illness, it must be work-related. This means it must be the result of practice or an incident that took place in your work environment. This includes injuries that take place on all company property, such as in the toilets or in company-owner car parks. Some injuries or illnesses may come on over time as a result of long-term practices or environmental exposure. You can also make claims for these types of injuries, provided the cause is linked to your workplace.
You should also check what your state’s deadlines are for reporting a work-related injury and making a claim. In Florida, most injuries have to be reported within 30 days of when they happened. If you miss this deadline it will be much harder to make a claim.
For illnesses that come on over time, you should report them as soon as you recognize that you are unwell or within 30 days of this.
If you want to make a claim for your workplace injury then there are several steps you will need to take. First, report your injury to your employer as soon as possible and in 30 days at most. It is a good idea to do this in writing and to keep a record of your report. This is important evidence for your case.
Next, you should get in touch with a workers’ compensation lawyer. They will be able to help you put together a successful case and will represent you. To make a successful case you and your lawyer will gather evidence to support your claim.
This involves: Collecting a medical report of your injuries and their impact on your life… noting the date, time, and place of your injury, as reported to your employer, finding any video or photographic evidence of your accident, collecting eye witness accounts, outlining how your injury or illness occurred and how this relates to your work, and keeping a record of any medical treatment that you have received since your injury or illness began.
Once you have your case together you can submit this to a representative from workers’ compensation insurance. They will review your case and may ask for further supporting materials before they approve or reject it.
If you have had an injury in the workplace then workers’ comp can provide vital support while you recover. However, this will only happen if you make a successful claim and getting a lawyer onside can help you with this.
Get in touch with one of our team to speak to an experienced lawyer today. You can speak with us for free. Call 904 LAW-1212 anytime, day or night. message here. #TGIF