What is Worker’s Compensation?
Also referred to as workman’s comp, this type of insurance is state mandated and provides coverage to employees who suffer injuries or illness when at the place of work. The federal government provides worker’s compensation but even then each state has its laws and programs for the same.
Does Worker’s Compensation Cover for Medical Bill Only?
Worker’s compensation pays for the hospital expenses that are necessary to diagnose and treat the incurred injuries. Worker’s compensation also provides disability payments in the event that the insured is not able to work. It may also pay the insured for rehabilitation, retraining and other benefits.
Does Worker’s Compensation Cover All On-the-Job Injuries?
This insurance policy covers most but not all on-the-job injuries. Worker’s compensation is designed to offer benefits to an injured worker even if the injury is brought about but the employee’s or employer’s carelessness. However, there are limits to the extent of injuries that can be covered. For instance, the policy may not cover injuries caused by the employee when he or she is intoxicated or is using banned drugs or substances. Also, the policy may not cover injuries caused by the employee when he or she has contravened the company’s policy.
Does Worker’s Compensation Cover You for Long Term illnesses?
Worker’s compensation may cover you for long term illnesses as long as the accident is not caused by an accident such as falling off a ladder. Many workers receive compensation for long terms such as repetitive stress injuries such as carpal tunnel syndrome or chronic back illnesses. This insurance policy may also cover you for some illnesses and conditions that are brought about by conditions such as heart attacks and lung disease, as well as stress related digestive complications.
Can You Sue Your Employer Over a Work Related Injury?
Yes, you can. If you get an injury due to reckless or intentional action of your employer, you can bypass the Worker’s compensation system and sue your employer in court for the full range of damages. You may also sue the employer for pain and suffering as well as mental anguish brought about by the injury.
Are all Employees Covered by Worker’s compensation?
No. To begin with, not all employers are required to have the Worker’s compensation insurance. The employer’s responsibility to provide Worker’s Compensation depends on the number of employees, the type of business and the kind of work carried out the employees.