Addressing Common Workers Compensation Misinformation
An injured worker can face daunting medical bills while also missing substantial amounts of work due to their injuries. Individuals that are facing this type of situation will need to have accurate information if they are to successfully navigate the process of filing a workers compensation claim with their employer.
Myth: A Worker Is Only Covered By Workers Compensation If They Were Actively Performing Their Duties
One of the most prevalent ideas about workers compensation coverage is that it will only take effect in situations where the employee was injured over the course of directly performing their duties. As a result of this assumption, some workers may not seek to file one of these claims if their injuries resulted from an accident that may not be directly related to their duties, such as slipping and falling. However, accidents and other injuries that occur while the employee is at work are usually covered even when they may be not directly caused by the employee's job duties.
Myth: Workers Compensation Claims Are Always Highly Contentious Matters
Another reason for failing to pursue a workers compensation claim is due to assuming that this will be a highly contentious matter. Often, this is based on the idea that the employer must directly pay for the damages that the employee suffered. In reality, there are insurance policies that are designed to provide protection in the event that a worker is injured. This can avoid much of the hostility that could be expected if the employer was to personally pay for these damages. As a result, individuals will usually find that the process of filing one of these claims is fairly straightforward. While there can be instances where the insurance may fight the claim, most injured workers will find that their claims are processed in a fairly straightforward way.
Myth: Only Employees In Dangerous Industries Are Protected By Workers Compensation
The protections afforded by workers compensation insurance can be vital for allowing a worker to recover the damages that they may have suffered. Unfortunately, there is a common assumption that only workers in high-risk industries and professions will be protected by this type of coverage. While there are some exemptions to this protection, the majority of workers will typically have some form of workers compensation protection. Luckily, employers are legally required to be able to provide workers compensation information and verification to employees, which can make it easier to confirm whether you are protected by this coverage.
If you have been injured at a worksite, look for workers compensation services near you to ensure your claim goes through.