It can happen to even the most responsible of people: a work injury occurs due to no fault of your own, and suddenly, it’s necessary to pursue benefits. In most cases, this will mean filing a workers’ compensation claim. But this area of the law can be confusing, especially if you’re unfamiliar with it. To ensure you are well-prepared, consult the guide below.  

Answers to 5 Common Questions About Workers’ Compensation

1. Does Workers’ Compensation Cover All Injuries?

While many injuries are covered by workers’ comp, there are a few exceptions. For example, if an employee is intoxicated or under the influence of drugs, any injuries incurred will not be covered. Self-inflicted harm also isn’t covered, nor are any damages that result from a violation of company policies.

2. Must an Injury Occur at My Place of Work to Be Eligible?

As long as the accident occurs while you’re engaged in work duties and you’re otherwise eligible, any resulting injuries should be covered. Job-related damages qualify for benefits, no matter where they take place. For instance, if a commercial truck driver is injured in an auto accident, he or she should be eligible for coverage.

3. Can I Choose My Own Doctor?

Whether or not you can be treated by a doctor of your own choosing largely depends on the state you live in. For example, in Connecticut, you will need to see a doctor who has been approved by the workers’ compensation board initially. However, you are also free to seek a second opinion from another doctor.

4. Are All Workers Covered?

Not all employees are covered by workers’ comp. For instance, some employers are not obligated to carry this insurance, which is usually based on the size of the business, as well as the number of employees. Additionally, some workers are excluded from coverage, such as independent contractors. 

5. Can I Sue My Employer?

There are some situations where you can sue your employer for injuries that occur. For instance, if they failed to address hazardous conditions, or they were deliberately negligent in their treatment of workers, a lawsuit would be possible.

If you need to file a workers’ compensation claim, turn to the knowledgeable professionals at D'Agosto & Howe in Shelton, CT. By combining an individualized approach with considerable legal skill, they routinely go above and beyond client expectations. Give them a call today at (203) 712-0210 to schedule an initial consultation. To learn more about their services and practice areas, visit them online.