Workers Compensation FAQ’s

Employee frequently asked questions about claiming workers compensation

What is workers’ compensation?

Workers’ compensation is an insurance program for the employees who suffer job-related injuries and illnesses. It provides wage replacement and medical benefits to the injured employees. It is usually paid by the employers, and the employee will not contribute to the cost of compensation. The employer’s insurance carrier provides the weekly cash benefits and medical care to the injured employee. However, a worker will not get the workers’ compensation if the injury occurs solely from his or her intoxication from drugs or alcohol. If the insurance carrier concurs that the injury or illness is work-related, a claim is paid.

Importance of Workers’ compensation

Although employers have a legal responsibility to ensure that the workplace is safe, accidents do happen. Even if the organization is practicing the right safety procedures and protocols, there may be the possibility of injury and illness at the workplace. Hence, an employer must have a workers’ compensation policy in place to compensate employees injured on the job. The insurance may cover any medical care, rehabilitation and lost wages. Additionally, workers’ compensation saves you from lawsuits stemming from workplace accidents.

Workers’ Comp FAQ

• How much will I be paid?
• What entitlements can I be reimbursed for?
• How long will it take to approve the request?
• Where can I find the Worker’s Compensation policy?
• Will my benefits continue even if I am away from work?
• Does the worker’s compensation cover only the medical bills?
• Does the compensation cover long-term injury and illness?

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