In 2021, there were more than 2.6 million non-fatal workplace injuries or illnesses reported. These incidents can be difficult to contend with, and have a lot of pieces that need to be picked up.
Worker’s compensation benefits can help with this and aid employees in taking care of their injuries and recovering.
These tips will steer you in the right direction so that you can learn all about workers’ compensation benefits.
What Is Workers’ Compensation?
Worker’s compensation refers to the payment that employees are entitled to whenever they get hurt at work. This can be in the office or workplace, or other activity while on the clock and working on behalf of the company.
Companies with employees are required to hold worker’s compensation insurance plans so that employees can get paid for their injuries and other damages in these situations. The worker’s compensation benefits that the company maintains with the insurance plan will pay off when you get hurt.
The company won’t have to come out of pocket, and you won’t have to worry about how you will pay your medical bills or for your cost of living in the meantime.
What Are the Types of Benefits?
If you are going to file a claim with your company, you need to understand the different types of workers’ compensation. This will help you navigate workers’ compensation cases and get paid for everything that you’re entitled to.
Some of the benefits that you can take advantage of include:
- Medical payments to handle your physician’s appointments and followups
- Job displacement benefits that will tide you over during the injury period
- Death benefits if a fatality occurred
- Benefits for temporary disability
- Permanent benefits for disability
Your employer is required to hold these kinds of plans by law, so don’t hesitate to notify them if you get hurt at work. Your company will then reach out to their insurance plan to file a claim and will refer you to a doctor that can assess your injuries and your entire medical situation.
How Can You Pursue a Worker’s Compensation Case?
The first thing that you need to do when you have an injury at work is notify management and Human Resources (HR). This puts the injury on the record and also starts the clock for the statute of limitations.
In most cases, you will have to file a case within the next 2 years in order to meet the statute of limitations. Give your company time to respond and move the situation forward, and visit the doctor to get whatever healing you need for your injuries.
If the process starts to drag on or you feel that your job isn’t going to pay for your injuries, you will then need to explore legal recourse. This means getting in touch with a worker’s compensation attorney that can represent your interests.
Workers’ Compensation Benefits Explained
Now that you understand more about workers’ compensation benefits, you are in a position to take charge of the situation and get the healing that you need. Keep things business-like, stay vigilant, and don’t hesitate to reach out to a lawyer if the situation calls for it.
RBP Insurance can help you with a case that you’re dealing with. Get in touch with us on our website or call (800)924-7050 ext 101.