Workers’ compensation is a state-mandated insurance program that offers benefits to employees who get injured on the job.
Although this program has been in place for decades, many people still have misunderstandings about it. This article will address some of the most common myths and misconceptions about workers’ comp in Nebraska.
Myth 1: workplace accidents are the only incidents covered by workers’ comp.
One of the most significant misconceptions about workers’ compensation is that it only covers injuries that occur due to workplace accidents. However, this is not entirely true. Besides accidents, workers’ comp can also cover injuries and illnesses resulting from repetitive motions, exposure to harmful substances or other work-related activities. If an injury or illness happened as a result of work-related activities, workers’ compensation may cover it.
Myth 2: workers who are at fault for their injuries cannot receive workers’ comp benefits.
Another common myth about workers’ compensation is that an employee must be blameless to receive benefits. However, this is not always the case. In Nebraska, workers’ compensation is a “no-fault” system. It means that an employee can be eligible for benefits regardless of who was at fault for the injury. There are some exceptions to this rule, however. For example, if an employee intentionally injures themselves or is under the influence of drugs or alcohol when the injury occurs, they may not be eligible for benefits.
Myth 3: workers’ comp claims always result in lengthy legal battles.
Some people avoid filing a workers’ comp claim because they believe that it will result in a lengthy and expensive legal battle. However, insurance companies can resolve many workers’ compensation claims quickly and efficiently without the need for a lawsuit. It is true that some claims may require representation, especially if the employer disputes the claim or if the employee’s injuries are severe. However, negotiations or alternative dispute resolution methods are excellent ways to settle claims.
Workers’ compensation can be a complex and confusing system, but it is an essential protection for both employees and employers. It is crucial to understand the myths and misconceptions surrounding the system to ensure that employees receive the benefits they deserve.