Featured News 2013 Understanding Workers’ Compensation Benefits

Understanding Workers’ Compensation Benefits

Workers compensation is a means of protecting workers in the event of an injury on the job. It provides employees with payments (as determined by laws of the state) in the event their injury somehow disables them from being on the job. And while there are specific workers' compensation laws for each specific state, if you are a federal government employee, they do offer special insurance for their employees as well. However, the majority of us are not a part of the federal government, and having an understanding of workers compensation benefits is extremely beneficial, particularly in the event you are injured on the job.

The purpose of workers compensation benefits is a means of not only helping the employees, but it also acts as a buffer zone for the employers in order to protect themselves from being held responsible for any injuries that occur on the job. for example, if you were somehow hurt on the job, and you needed to take the next two months off for surgery and recover, if your work offers compensation they would make sure you receive the payments, whether or not the injury was your fault. They would rather pay you the agreed upon amount for your injury than risk having you turn around and sue them for significantly higher amounts of money.

In order to qualify for workers compensation insurance, it essentially means that your injury had to have happened on the job and as a result of either an employee or the employer's irresponsibility or negligence. However, if the state learns that your injury as possibility self-inflicted or you were somehow under the influence of drugs or alcohol and it caused the accident, then they may decide to deny your claim for benefits. Also, if your injury was not on the job, or you were in violation of another law or work policy, they may choose to deny your claim for payments. Included in workers' compensation is help for your medical care and treatment for the injury or illness incurred on the job, as well as supplement for your income that you lose during the time taken off for your injury. When it is time for you to return to your job, workers' comp will also cover the retraining costs that are necessary and in the event you are unable to return to your job due to permanent injuries they will compensate you for that as well. In the devastating event that a worker dies on the job, workers compensation is also designed to help compensate family members who lost their loved one such as a spouse, parent or child.

While workers' compensation benefits are designed to protect both hey employees and the employers, there is still the concern as to whether or not victims of workplace injuries are able to sue their employers for their suffering. the simple answer is, yes. In the event that your injury (or the death of a loved one) was a result of a negligent or intentional act of harm by the employer, then you may decide that workers compensation benefits are not enough to pay for the total loss and pain and suffering. these benefits tend to be modest and act as a supplemental income and you may feel this is simply not enough for the damage they have caused. If you chose to contact a personal injury lawyer to pursue wrongful injury, you thereby waive your rights to any of your workers compensation benefits. However, if you are able to prove their negligence, then there is a possibility that the amount you receive in damages far surpasses that of the original benefits package from your employer.

Contact a trusted personal injury attorney today to learn more!

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