In most states, employees injured as a result of their working conditions may be eligible for wage replacement, medical care, and other benefits through the worker’s compensation system. Unlike personal injury claims, injured workers are not required to demonstrate negligence on the part of their employer, and a wide range of situations and injuries may qualify. Understanding the eligibility requirements for worker’s compensation is often the first step in getting the financial support you need.

A Guide to Worker’s Compensation Eligibility

Employment Status

The worker’s compensation system generally extends a broad umbrella of protection, covering full-time and part-time workers, as well as borrowed employees and those hired on a temporary basis. Workers classified as independent contractors, however, are usually excluded from filing a claim. Some states, including Montana, require self-employed workers to carry their own coverage or obtain an exemption from the state.

Your Employer Must Be Covered

Some states operate a public worker’s compensation system, while others require employers to buy coverage from a private insurer. In Montana, every business with at least one employee must provide their workers with worker’s compensation benefits. However, these rules vary from one jurisdiction to the next, so speak with a lawyer if your employer lacks adequate coverage.

Work-Related Injuries

Worker’s compensation will cover a wide range of injuries, including those sustained in accidents, chronic medical conditions, and even some mental issues related to your job duties. To demonstrate the link between your injuries and the conditions in which you work, it’s crucial to seek medical attention and speak to a lawyer as soon as you notice symptoms.

As one of northwest Montana’s premier worker’s compensation firms, the legal team at Bothe And Lauridsen have over 100 years of combined legal experience protecting the rights of clients throughout the area. If you’ve been injured at work, their skilled attorneys will guide you through the process and work to ensure you get all the benefits to which you’re entitled. To discuss your case and schedule a consultation, call their offices today at (406) 892-2193 or visit their website.