Most people understand that workers’ compensation covers medical bills associated with on-the-job injuries. However, there are many more facts employees must know about it.
Here are some of the most critical facts surrounding workers’ comp.
Employees receive workers’ comp for on-the-job injuries
Workers’ comp covers everything from a sprained ankle to disastrous machinery accidents. Employers report these injuries to their insurance provider, who opens a claim to see what they need to cover. However, self-inflicted accidents, idiopathic accidents and off-duty injuries are not covered.
Workers’ comp covers both medical expenses and lost wages
While workers cannot perform their duties, they receive part of their income. This coverage helps employees sustain themselves during their recovery period. Employees can only receive this disability money if a doctor deems them unable to work. Additionally, employees receive coverage for their medical expenses due to on-the-job injuries. Rehabilitation and employment retraining expenses are also covered.
Employees cannot charge their employers for accidents
Workers’ comp offers a trade between employees and employers. Employees receive financial compensation and cannot sue their employer. However, employees can still sue their employers if the company is reckless or does something to harm staff members intentionally.
Employers do not always have workers’ comp
State laws determine whether employers must have workers’ comp. The number of workers, type of company and work determines whether they must have it. For example, most farmers, volunteers and seasonal workers are not provided workers’ comp.
While employers do not want their employees to get injured, accidents happen. When employers do not have this coverage, their employees can sue them. Knowing these facts can help employees understand what to do if they incur on-the-job injuries.