The Essential Components of Workers’ Compensation Insurance Policy

When you go to work each morning, the last thing you think about is that you will be involved in a job-related injury. Even though you take every possible precaution, an accident can still happen. Workers’ compensation insurance is mandatory in most states and is in place to ensure that you can get the treatment you need to return to work as soon as possible. Workers’ comp also pays your lost wages so that you can still provide for your family.

What Types of Injuries Are Covered by Workers’ Comp?

Injuries and illnesses that are directly related to your employment are covered. Anything that happens before you check-in or after you check out will not be covered. However, if you work away from your office and get injured on a job site, your injuries will be covered. The same is true if you travel for business. In today’s world, many jobs are remote, and people work away from their place of employment.

What If I’m at Fault for the Accident that Caused My Injuries?

Even if you are partially at fault for your injuries, your Workers’ comp policy will still kick in and pay for your medical expenses and time off of work because Workers’ comp is considered to be a “no-fault” system. This allows you to receive benefits no matter who is at fault but prevents you from suing your employer for added compensation. The way the Workers’ compensation system is set up protects both you and your employer.

What Benefits Are Provided by Workers’ Comp?

Workers’ comp benefits go much farther than just paying your medical expenses and lost wages. It also covers permanent disability compensation and survivors’ benefits for family members when someone dies on the job. It will also cover the cost of occupational rehabilitation that will allow you to learn a new trade if you cannot return to your original job. This allows you to move into a new position as soon as you can return to work.

How Do I Apply for Workers’ Compensation Benefits?

The first step is to notify your employer and your Workers’ comp insurance agency that you have been injured or are dealing with a work-related illness. You will also need to seek medical attention and report the findings to the insurance agency. Although you will need to also see a third-party medical examiner, this will be one of the next steps in the process. The process varies from state to state, so you will have to be mindful of any deadlines that must be met.

What If My Workers’ Compensation Claim Is Denied?

If your Workers’ comp claim is denied, you do have options. When a claim is denied, you will receive a letter stating why. Go over the letter carefully and make sure you understand why they are denying your claim. If you feel they made a wrong decision, you can file an appeal with the Workers’ comp board in your state. The appeal process will take time, and you will have to follow the guidelines that are part of the process.

Workers’ compensation claims must go through a process where the accident and resulting injuries are thoroughly investigated. When you have questions about how the process works or what you should expect, call our insurance professionals at Pittman Insurance Group, LLC. Our team has years of experience and expertise and can help you navigate through the process and get the compensation you deserve.

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