A workplace accident can be a frightening and stressful experience. On top of the physical pain and potential recovery time, you might also face lost wages and mounting medical bills. This is where workers' compensation comes in. Workers' compensation is a form of insurance that provides financial benefits to employees who are injured or become ill as a result of their jobs. Let's continue reading to understand workers' compensation eligibility.
Several key factors determine whether you qualify for workers' compensation benefits, including:
Workers' compensation is designed to protect employees, not independent contractors or volunteers. Here's the distinction:
Employee: An individual who receives a regular salary or wage, has taxes withheld from their paycheck, and works under the direct supervision and control of an employer.
Independent Contractor: Someone who provides services to a company but sets their own hours, uses their own tools and equipment, and has more control over how they complete their work.
Most states mandate that employers carry workers' compensation insurance. However, there can be exceptions for very small businesses or certain industries. If you're unsure about your employer's insurance status, you can inquire with your HR department or consult your state's workers' compensation board.
According to the Bureau of Labor Statistics, in 2022, there were 2.8 million nonfatal workplace injuries and illnesses reported by private employers in the United States. For an injury to be considered work-related, it must have occurred during your employment and arisen out of your job duties. Here are some examples:
A construction worker falls from a scaffold and breaks their leg.
A nurse gets a back injury while lifting a patient.
An office worker develops carpal tunnel syndrome from repetitive typing.
Each state has specific deadlines for reporting a work-related injury to your employer. Failure to report within the designated timeframe could jeopardize your eligibility for benefits. It's essential to notify your employer promptly and in writing about any work-related injury or illness.
If you are eligible for workers' compensation, your employer might have the right to choose your initial medical provider. It's crucial to attend all scheduled medical appointments, treatments, and examinations as directed by the authorized healthcare professional.
At Kneller Insurance Agency, we can provide clear explanations of your workers' compensation eligibility and benefits in your specific state. We can guide you through the process of filing a workers' compensation claim and ensure you meet all necessary deadlines. If needed, we can connect you with experienced legal professionals specializing in workers' compensation cases. Don't be left in the dark about your workers' compensation rights. Contact us today to understand your eligibility. Call us at 518-392-9311 to receive the benefits you deserve in case of a work-related injury.
