Workers’ compensation is an insurance policy designed to protect you if you get injured or ill on the job. It can provide coverage for everything from doctor’s bills to wages lost due to an inability to work. Here are answers to some of the most common question about this type of insurance.
FAQs About Workers’ Compensation
How Do You Get Workers’ Compensation?
Your employer should have this insurance to cover themselves from any liability. If you are injured at work, you report it to your boss and work with them to file the appropriate paperwork.
What Kinds of Incidents Are Covered?
This will depend in part on where you work. Workers’ compensation can apply to everything from freak accidents, like a car crash, to repetitive motion injuries sustained on the job. If you’re not sure what’s covered, check with your employer.
Does Insurance Apply If the Injury Is Your Fault?
These policies aren’t like auto insurance, where blame needs to be determined. That said, there are special circumstances where you won’t get coverage—for instance, if you were operating machinery while inebriated.
What Should You Do if You Get Hurt at Work?
Always report any injury, no matter how small. Even minor pain could originate from a larger underlying condition that will require medical treatment. Document any related medical appointments, and save all doctor’s reports and receipts.
When Is a Lawyer Needed?
Contact an attorney if your workers’ compensation case hits a roadblock—for instance, if a payment is delayed or the insurer argues that your injury is due to an incident outside of work. Additionally, if a hearing is held regarding your case, ensure you have legal representation to protect yourself.
Want to know more about workers’ compensation? Mark O. Grater Attorney at Law can answer your questions. Located in Groton, CT, this lawyer brings more than 30 years of experience to the table and is known for his compassionate approach to his clients. Whether you’ve been hurt in a motorcycle accident or want to file a personal injury claim, he can help. Learn more about his experience online or request a consultation by calling (860) 449-8059.