An individual working for an employer with workers’ compensation insurance is typically covered for on-the-job injuries. There are laws requiring companies with at least three employees to carry this type of business insurance in most situations. The benefits will vary based on the injury and other factors, so you should learn as much as possible about workers’ comp to avoid losing the benefits you’re entitled to receive. There are steps to help you get the medical and monetary compensation you deserve based on physical and mental needs, loss of income, and other expenses.
Workers’ compensation covers personal injuries that meet federal, state, and local requirements, including the cause of the damage. For example, employees operating machinery and other equipment could be entitled to coverage if they’re injured while handling or using the devices.
If animals at a business act violently or acts of violence are committed by a person who works at or enters the building, employees injured by the animals or a dangerous individual may be entitled to workers’ compensation benefits. Slips, falls, and trips due to water, debris, or different items on the ground, a chair, or various surfaces are other causes of work-related injuries.
Most Common Injuries
Strains, lacerations, contusions, sprains, and punctures are the most common injuries individuals experience on the job or while handling work-related duties off-site. These injuries are common because employees may move around carrying heavy items, use awkward posture while reaching or sitting in an office chair, or operate machines with missing parts or equipment that has been put together or adjusted incorrectly.
Even if you’re dealing with medical issues that occurred on the job site or while operating a business vehicle and handling work-related tasks, there are some reasons your coverage could be denied. For instance, if it’s proven you hurt yourself while engaging in horseplay inside the building, your claim could be rejected, and you may be responsible for out-of-pocket medical costs and lost wages. Therefore, it’s vital to avoid this type of behavior at work, whether you’re conducting minor tasks or handling dangerous equipment and chemicals. You never know when an accident could occur, so you should ensure you’re doing your job correctly and safely at all times.
The benefits you receive from workers’ compensation depend on the state, the applicable laws, and the kind of injury. If the incident causes temporary or permanent disability, you may be eligible to receive wage compensation. The severity of your injuries typically determines the amount of compensation and how long it lasts.
Death benefits could be awarded to the spouse, children, and other family members of an employee who passed away due to a work-related injury. This could include wage benefits and coverage for funeral and burial expenses.
Keep in mind that pain and suffering are often not covered by workers’ comp, but there are other avenues you could take. To ensure you receive all you’re entitled to, learn as much as possible and speak with insurance companies or seek legal representation.
Operating a business means assuming certain kinds of risk, including the possibility of employee injuries. For affordable, reliable commercial insurance as well as homeowners, renters, motorcycle, and car insurance, call on the trustworthy professionals at Altra Insurance Services. Reach out to us today at (619) 404-6311 to learn how we can satisfy all your insurance needs.