Even if you have never been injured on the job, you likely know the basics of workers’ compensation benefits. If you are injured, you can receive compensation for missed time at work and injuries you suffer.
However, there are other aspects of workers’ compensation claims to understand to ensure you get the benefits you are entitled to for an on-the-job injury.
Some injuries may not qualify for workers’ comp benefits
You will likely qualify for workers’ compensation benefits if you are injured at work. However, not all situations qualify for this. For example, incidents like idiopathic falls, self-inflicted injuries or injuries caused by fighting with other employees may disqualify you from receiving these benefits.
Types of benefits you can receive
Workers’ compensation benefits cover your lost wages while you cannot work and medical costs related to your injury. In some situations, depending on the circumstances, retraining and vocational rehabilitation may be covered.
You lose your right to sue
It’s important to realize that workers’ compensation is a trade-off. You agree that you won’t sue your employer when you receive these benefits. The only situation where you could file a lawsuit against them is if your employer was reckless or if there was some type of intentional action to cause harm to you (the employee).
Understanding your rights and responsibilities in a workers’ compensation claim
Understanding all the rights you have to receive workers’ compensation benefits and your responsibilities is a must after an on-the-job accident and injury. This will help you protect your rights to benefits and minimize the potential of losing them because of a mistake.