Gone are the days when workers have to prove the negligence of their company or employer when they have to sue for compensation from a work-related injury. It was really hard to win cases when the odds are stacked against the employee in favor of the employer who can claim that the employee was negligent which led to the workplace injury or that the employee knew the risks when you took the job. Today, Workers Compensation Insurance is the employee’s protection when they become an unfortunate recipient of work-related injury.
What is Workers Compensation Insurance?
There are many professions that pose some hazards to their employees. Being in construction work is one because workers are liable to take a fall, liable to be hit on the head or worse fall to death. Being a worker in a factory or laboratory also increases the chances for a work-related injury simply because of the nature of the work.However, regardless of the danger faced in the industry you work in, you can rely on Workers Compensation Insurance to provide the following benefits for your employees and their family members in the case of work-related injury:
- wage loss indemnity,
- coverage of medical expenses and/or hospitalization services,
- partial or permanent disability,
- vocational rehabilitation, and,
- burial services and other benefits in the case of death.
Workers Compensation Insurance is the all-encompassing mandate which covers compensation for a worker and his family members in the event of an accident leading to injury or death during the course of the worker’s performance of his duties.
Covered Injuries and Illnesses
There are different types of injuries which employees can claim compensation for, as long as the injury was sustained in the course of working for the company. Here are some common claims:
- Physical Injuries – often happen as a result of an accident that occurs in a single instant. Some examples include breaking a limb from a fall or losing a limb from a faulty machine or equipment
- Repeated injuries – For professions that require certain repetitive actions, some injuries like carpal tunnel syndrome and even back pain are eligible for compensation.
- Occupational injuries – Repeated exposure to certain chemicals and suffering from their side effects can also be compensated.
An employer is required to provide Workers Compensation Insurance for all its employees, whether or not they’re full-time or part-time, especially if you have more than three persons under your employ. Your Workers Compensation insurance should also reflect where your employees are actually working. For instance, if you have employees and offices in Wisconsin, then your insurance should be drawn from an insurance company in Wisconsin.
You as an employer are also required to post notices regarding employees’ rights within your business premises where employees can immediately have access to them. These notices need contain information about their Workers Compensation Insurance like the carrier, or if the company itself is the insurer (in self-insured cases), their rights to medical treatment including the choice to select and change their doctors, and essentially all Workers Compensation benefits available to them.
Employers need also provide the worker’s compensation claim form to an employee upon notice of an injury. A pamphlet or brochure which details the worker’s rights and benefits is also helpful in educating them about Workers Compensation benefits and the procedure on how to claim them.