Workmens Compensation Insurance FAQs
Workers' compensation is insurance provided by an employer to its employees. If you find yourself injured on the job, you may find yourself needing to make a claim. Let these frequently asked questions guide you:
Who pays for workers' compensation insurance?
Workers' compensation is paid for by the employer only. You do not pay monthly or annual premiums, and there should be no regular deductions from your paycheck. It is free to the employee.
What do I get from it?
If you are injured on the job, workers' compensation will provide you with medical benefits and wages. Depending on the state and type of insurance, your reimbursement for disability may vary.
What are some commonly covered injuries?
Commonly covered injuries are nearly anything that can be directly tied to your line of work. For example, cancer caused by asbestos work or broken limbs from a construction site accident.
What type of injury is not covered?
Not all injuries that happen at work are automatically covered. For example, a heart attack can't be clearly and unequivocally linked to a workplace. Additionally, horseplay or willful negligence on behalf of the employee may hinder any punitive damages.
How do I file a workers' compensation claim?
There are three basic steps in filing a claim for workers' compensation. First, report the incident immediately to a supervisor and seek emergency care if necessary. Next, seek a medical opinion on the extent of your injury. This may require you to see a doctor on a pre-approved list. And finally, if you miss time from work, submit a paid leave form to your human resources department.