Workers’ compensation is a form of insurance which provides wage replacement and medical benefits to employees when and if they are injured on the job. Employers retain workers’ compensation insurance plans that cover medical expenses, rehabilitation costs, and lost wages for employees who suffer a work injury. In cases where an employee suffers fatal injuries, benefits are paid to their survivors. Better known as workers’ comp, employees are covered from their first day at work. If you suffer an injury, you are required to report the accident within 30 days.
For injuries that require you to miss more than seven days of work, you may be entitled to receive weekly income benefits, which usually get mailed out within 15 days of the date of the injury. The workers’ compensation checks are not taxed, so they are paid out at a rate of two-thirds of your typical earnings.
According to the Occupational Safety and Health Administration (OSHA), an injury is defined as work-related if an event or exposure in the work environment contributed to or caused an injury. If you are injured at work, you should first receive a medical examination. Not only is your health and safety the priority, but medical records can also become important to your workplace injury case.
The workplace can be a dangerous place, and all sorts of injuries may occur. Some of the most common work-related injuries include but are not limited to the following:
• Trips and falls
• Work vehicle related accidents
• Caught in moving machinery
• Repetitive overexertion injuries
For employers, the best way to protect employees and prevent injuries is to maintain a healthy and safe workplace. Ensuring your workers have proper protective equipment and adequate training should be a priority.
Suing an employer for negligence in a work-related injury case is dependent upon the details of the incident. You may not be able to sue your employer unless you can prove they intentionally did something to injure or harm you. It is important to speak with an experienced attorney to discuss the details of your workplace injury. Based on your case evaluation, your attorney can provide you with next steps and a clearer path forward to compensation.
Workers’ compensation generally covers all injuries or illnesses that occur at the workplace or in the course of employment. Workers’ compensation covers traumatic injuries and illnesses that are a direct result of an accident at work or on the clock.
Under the Indiana Workers’ Compensation Act, all employees are covered by the workers’ compensation insurance that employers are required to purchase. Employers who do not purchase workers’ compensation insurance can face penalties.
Workers’ compensation is a bit different than compensation received in other personal injury cases. Workers’ compensation varies in ways it is paid out including the following:
Workers’ compensation pays for hospital and other medical expenses necessary to treat an injury acquired during work hours. Medical care generally covers doctor’s visits, medication, and surgeries.
Rehab benefits such as physical therapy are covered by workers’ compensation. Care and training to regain any skills you may have lost are also covered. If you have become unqualified to perform your job as a result of your injury, vocational rehab is covered as well.
Workers’ compensation covers disability benefits ranging from temporary total disability, temporary partial disability, permanent partial disability, and permanent total disability. The amount compensated in benefits depends on the amount you were earning prior to the injury as well as the severity of your injury.
When employees pass away as a result of work-related injuries, workers’ compensation may cover funeral expenses as well as benefits to dependent family members.
Workers’ compensation is a no-fault system designed to compensate workers who experience an injury on the job or on the clock. In order to receive these benefits, workers must take certain steps required by Indiana law.
If you have been injured at work, you must first inform your employer within 30 days or your injury claim may be denied. The sooner you report your injury, the quicker your workers’ compensation benefits will begin.
In emergency situations, your medical treatment should be immediate. In non-emergency situations, you must comply with workers’ comp guidelines in selecting a doctor. All necessary medical treatment for the work-related injury will be covered by workers’ compensation.
If you are having difficulty with your employer following an injury, or difficulty obtaining workers’ compensation, contact the Evansville workplace injury attorneys at Tuley Law Office today. Our experienced legal team can provide you with the legal guidance you need to receive your workers’ compensation benefits.
The statute of limitations for workplace injuries is two years from the date of the injury or accident.
Work injuries can be debilitating and in worst cases, fatal. With many of these accidents resulting in a serious financial impact on the victim and their loved ones, they can be life-altering in a matter of moments. If you or a loved one have suffered a work-related injury, contact the experienced Workers’ Compensation lawyers of Tuley Law Office today for a no-cost case evaluation.
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