Workers' compensation doesn't have to be mystifying

People who suffer an injury at work might not be able to return to work right away. They may need medical care. In all of these cases, the person should be able to turn to the workers' compensation system for help. This program is misunderstood by some, but it does provide a very important benefits to the worker and the employer. Having a basic understanding might help you to make decisions if you ever need to use the program.

One of the main reasons why companies need to ensure that they have a workers' compensation policy in place is that this is the law. Businesses must have a policy in place. This enables injured workers to get their medical care covered and can provide partial wage replacement if they will need to remain off work for a while. It also protects the employer since the employee can't sue them for compensation as long as these benefits are provided.

There are specific time limits that apply to these cases, so workers must ensure that they are handling things right away when the injury occurs. You should alert the employer or their representative right away that you are injured. This protects you from claims that too much time elapsed between the incident and the initiation of your claim.

It is possible to waive your right to workers' compensation coverage to pursue a claim against your employer. You should realize that there aren't any guaranteed outcomes in these cases, so be prepared for whatever might come. You should be sure that you are carefully considering the options that you have in these cases.

Source: FindLaw, "Workers' Compensation Benefits Explained," accessed June 01, 2018

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