Workers’ compensation insurance provides benefits to employees who suffer an injury or illness while performing their job duties. Though laws vary between states, most jurisdictions require companies to carry the coverage. If you get hurt at work, it’s important to know how the program works before filing a claim. The attorneys at Love-Sloan Law, LLC, have been representing Rock Hill, SC, residents in similar cases for over 20 years. To give you a sense of what’s involved, they offer a guide to the topic.

Eligibility

Whether an employee is eligible to receive workers’ compensation depends mainly on their classification. For instance, benefits don’t apply to independent contractors, volunteers, business owners, maritime employees, casual workers, farmers, railroad workers, and federal government staff.                                                     

Incidents & Expenses

Staff members qualify to receive workers’ compensation benefits any time they are harmed during their employment, including off-site injuries if sustained while running work-related errands or attending a company event. The coverage typically addresses medical expenses, lost income, the costs of retraining for a new occupation, and death benefits for the family members of the deceased. 

Employee’s Rights

In most cases, when an employee chooses to collect workers’ compensation benefits, they forfeit their right to sue the company. However, there are exceptions in instances where an employer acts recklessly or engages in intentional acts that result in harm. Further, it is illegal for a business to fire a staff member in retaliation for filing a claim. 

The losses incurred from on-the-job injuries and illnesses can create significant financial hardship for employees. If you get hurt in this way, consult with a workers’ compensation lawyer to secure the benefits you’re entitled to. The legal professionals at Love-Sloan Law, LLC, will carefully evaluate your case and determine the best strategy. Call (803) 326-0000 to schedule a consultation today, or visit their website for additional information about their background in this practice area.