Workers Compensation Guide
Workers' compensation is a lifesaver when and if something ever
happens to you while you are on the job, and it is only
available for your use if you have gotten hurt. Workers'
compensation laws provide money and medical benefits to an
employee who has an injury as a result of an accident, injury or
occupational disease on-the-job. All employers are required by
law to carry this type of insurance because it prevents being
sued by the one hurt. Workers have the right to be protected as
they work and certainly in the case of an accident. Workers'
compensation is designed to protect workers and their dependents
against the hardships from injury or death arising out of the
work environment. In this way it actually benefits both the
employee and employer. With the rising costs in the medical
profession, any accident could potentially result in financial
difficulties for the employer if they don't carry this
insurance. Some cases would surely bankrupt some small business
owners. The employer also benefits because the employee agrees
not to sue or press charges. The question of fault is not
discussed, as the injured one is being cared for medically and
financially.
When an incident occurs, the necessary information is recorded
and the injured one proceeds to file for the workers'
compensation. After all the information has been evaluated,
workers' comp determines availability. When accepted, all
medical bills are paid and the employee receives money (usually
on a weekly or biweekly basis) and medical benefits in place of
any right the injured might have to sue the employer.
If an employer fails to obtain workers' compensation, the
employee is free to file in the civil court system or to file a
claim against the states' workers' compensation system.
Employers who try to avoid getting this insurance can lose their
personal assets and other business assets as well. Wise
employers encourage safety programs to reduce on-the-job
accidents. By doing this they can also lower their premiums
because the payments are based on the number of accidents.
Employers who motivate and educate their employees in safe work
habits and environments, will not only prevent accidents but
will also keep their employees happier in the long run.