Workers compensation insurance is a policy that covers employees injured at work. According to federal labor law, employers have a responsibility to ensure that their employees work in a safe environment. However, we all know that even when an organization is committed to and practicing the right safety protocols and procedures, accidents do happen.
The workers’ compensation policy, therefore, is put in place to reimburse staff members injured in the course of employment about lost wages, medical care, and rehabilitation due to any damages. Moreover, workers’ compensation insurance protects businesses from any court cases that could result from workplace misfortunes. It is thus necessary for both employers and employees to know of the worker’s compensation policy cover and have an understanding of how it works.
The Importance of Having Workers Compensation Insurance
Like stated above, sometimes calamities may happen at work. In such cases, it is vital that an employee involved in work-related accidents makes a worker’s compensation claim. For an employee to be eligible for worker’s compensation policy benefits, heshe has to be insured under a workers’ compensation policy cover at work. Also, the injured person has to be an authorized employee of the company and the injury must be job-related.
When these conditions are met, a worker can then receive benefits that cover 100 percent medical expenses in case of injury and cash benefits to cover lost work time in case of a temporary or permanent disability. Cash benefits may vary depending on the severity and injury duration. Benefits covered by the worker’s compensation insurance may include medical bills, therapy costs, loss of wages, travel expenses, permanent impairment reimbursement, and return to job services.
The worker’s compensation cover provides payments to injured employees with no regard as to who was at fault in the misfortune. Additionally, the cover provides death benefits for the surviving family and dependents in case of fatality. The workers’ compensation scheme covers the following incidents:
- Workplace injuries resulting from work or during work events
- Illnesses caused by work activities
- Diseases or pre-existing disorders worsened by work
- Damages arising from work travels
- Injuries that occur while getting medical care for a separate work injury
- Mental and stress-related work injuries including heart attack or stroke
Worker’s Compensation Attorneys
If injured at your workplace, it’s crucial to seek legal help by contacting a worker’s compensation lawyer. If you’re in Arizona, you can contact Snow, Carpio &Weekely work compensation attorneys for work related lawsuits. These lawyers have the skills and experience about workers compensation laws in Arizona. Since every state in the United States has its own set of statutes concerning workers’ compensation, it is important to seek assistance from the best attorneys in your state.
Also, the benefits that you may receive, the duration of the benefits, and the circumstances under which workers’ compensation is available to workers, differ by state. Arizona’s worker’s compensation attorneys will, therefore, help you make a claim and secure the benefits of workers compensation cover. They will work on your workers’ compensation claims and help you secure all the benefits you deserve.Whether an employee or an employer, it’s important to have an understanding of the workers compensation cover to avoid financial liability in case of any eventuality.