Workers compensation claims are intended to provide extra security to American workers in case they’re injured on the job; it’s just one aspect of personal injury law and it pertains specifically to injuries or illnesses that occur because of your workplace environment.
Here are just a few important points you need to know about personal injury protection under workers compensation claims:
- Workers compensation is also known by the name “workers comp.” It’s a type of insurance program mandated by each state and it protects employees if they’re injured while on the job. Each state has its own particular regulations on workers compensation claims, although most of them are pretty similar, but it’s still important to make sure that you know exactly what your state has mandated.
- With a workers comp claim, personal injury liability isn’t really an issue like it is with other personal injury cases. This means that it doesn’t matter who was technically at fault for an injury — maybe it was the employee, maybe it was the employer, or maybe it was just a freak accident that really wasn’t anyone’s fault. Regardless of why and how an injury happened, employees can still be covered.
- Workers compensation is beneficial for the employee because it provides extra financial security in an emergency; it’s also beneficial for the employer because if a worker accepts the benefits under workers comp, that person loses the ability to sue his or her employer for any more damages.
- There are a few important exceptions to workers compensation laws in terms of employee coverage; if an employee is violating company policy, committing a crime, or was engaging in activities that caused self-inflicted injuries (like starting a fistfight), then that employee would not be covered under this legislation.
- Workers comp claims typically provide financial assistance for all medical bills and hospital bills required to diagnose and treat the person’s condition. Something like an x-ray would be covered, while something like acupuncture therapy probably wouldn’t be covered.