If you have been injured at work, you may be entitled to workers’ compensation benefits. However, it is critical that you know what type of benefits are provided to you and how a workers compensation claim is different from a personal injury claim. Let’s take a look at some specifics you should be aware of if you are hurt and unable to work after a workplace accident or illness.
Your Employer Doesn’t Pay Benefits Directly
You may think that your employer is the one who is responsible for paying your benefits. However, benefits are provided through an insurance company that provides coverage to your employer. Therefore, if your claim is denied, you will want to go after the insurance company as opposed to complaining to your manager or to another member of the company’s management team. If you have any questions or concerns about your benefits, it is a good idea to talk with an attorney.
You Cannot Pursue a Personal Injury Lawsuit
While you may be entitled to more compensation for your injuries via a personal injury suit, it is not possible to get workers’ compensation benefits and sue in court. Instead, you will be required to take whatever benefits are available to you under your state’s labor laws. Generally, an injured or sick worker is entitled to reimbursement for medical bills as well as a portion of his or her salary. Extra compensation may also be available to help pay for the needs of a spouse or other dependents.
You Are Entitled to Benefits If Your Caused an Accident to Happen
The beauty of the workers’ compensation system is that neither side is required to admit fault in a case. As long as you were acting in good faith and doing your job to the best of your ability when an accident occurs, it doesn’t matter if your own mistake led to injury or illness.
However, benefits may be limited or revoked if it is discovered that you were drunk or using equipment in a negligent manner. Regardless of why you were hurt, make sure that you report the injury as soon as possible. This allows your supervisor to document what happened and start the process of getting you the medical attention that you need.
Workers’ compensation benefits are designed to help employees who have been hurt at work get their money as soon as possible. This makes it easier for those who cannot work to pay their bills and make sure that their families are taken care of with as little disruption to their lives as possible.