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Understanding Worker's Compensation Before You Need It

22 October 2020 by Richard Ramirez

If worker's compensation is something you rarely think about, you are not alone. It is not uncommon for people to know worker's compensation is something offered through their employer but not fully understand the benefits it provides. Discussing worker's compensation with your attorney before you need to use it will make it easier to know what to expect should you sustain a work-related injury or illness in the future.

What is worker's compensation?

Worker's compensation is an insurance that is mandatory for companies in most states. It protects the employer from damages or losses caused by work-related injuries sustained while employees are on the job. It also protects the employee from lost wages and medical costs that may occur as the result of an injury or illness related to their job.

It is a good idea to meet with your attorney to go over the plan offered by your employer. This can help alleviate any concerns you have regarding the amount of coverage you can expect should you need to have your wages covered during a work-related illness or injury.

What events are covered under worker's compensation?

Worker's compensation covers events that occur because of performing your job duties. For instance, if you slip and fall while at work, your medical expenses would be covered under worker's compensation. Your plan will also pay for ongoing expenses related to your condition and treatment.

A percentage of your lost wages would also be covered; however, coverage amounts can vary depending on the state you live in. If an injury or illness is severe and leads to your death, worker's compensation may also cover any funeral-related expenses. Your attorney will be able to discuss coverage limits in your state. 

What events are not covered?

State laws will determine what events are not covered under your specific plan. However, most injuries that occur at work that are not caused by your job duties would not be covered. For instance, if you get into a fight with another employee while at work, you would likely be liable for any injuries sustained. This would also include being involved in events related to you being intoxicated or under the influence of drugs when an incident occurs.

Being aware of the benefits provided under your employer's worker's compensation plan can give you peace of mind. Knowing what events are covered or not covered, prior to experiencing an injury or illness, is important. Discussing your benefits with your attorney now will make you aware of what you can expect if you need to use your worker's compensation in the future.

To learn more, visit a website like http://mcmullenochs.com.

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