Worker’s compensation exists as a kind of insurance program. This program was created by law in an effort to protect the rights of workers. Under certain circumstances, this program can protect workers that have become injured during the course of their employment. The main goal of worker’s comp is to help support those workers and their families that may suffer due to a loss of income resulting from a workplace related injury.
Worker’s compensation law, however, may be slightly difficult for novices to navigate. Part of this difficulty is due to how much worker’s compensation law can differ from state to state. Each state in the US has different laws that govern how each state deals with worker’s compensation. There are also federal worker’s compensation laws. However, those laws only apply to those directly employed by the federal government.
Different worker’s compensation laws in each state will determine a number of different things. One of the most important of these is the kinds of injuries that are covered by that state’s worker’s compensation. In almost all cases, these injuries must be somehow related to a person’s line of work. One example is an injury that occurs due to the machinery in a factory. Another example would be if an employee accidentally trips and falls somewhere while on the job.
However, immediate injuries are not the only thing that is covered by most state’s worker’s compensation programs. Many states cover a number of different illnesses that a person many develop during employment. For example, if an employee developed health complications due to exposure to chemicals while on the job, that can certainly be an argument for receiving worker’s comp. Another common example is when an office employee develops carpal tunnel syndrome after years at the keyboard.
Injuries or illnesses covered by worker’s compensation due not necessarily have to take place on a factory floor or in a company office. Many states cover injuries that occur off site as well. For example, if an employee has to drive to make deliveries, injuries resulting from a car accident while making a delivery may be covered. Workers, however, are very unlikely to receive worker’s compensation for injuries sustained while on their own free time.
As one might expect, worker’s compensation is likely to pay for the medical treatment needed to address workplace related injuries and illnesses. However, it can also be used to pay for many other things as well. Worker’s compensation is often designed to make sure a worker does not suffer monetarily due to such an injury or illness.
Due to this fact, a worker is likely to receive two thirds of his or her normal wages while off the job. That worker will likely receive these wages until that person has the ability to return to work. If the worker is not able to ever return to work due to a disability sustained from a workplace injury, he or she may receive 100 percent of his or her regular wages.
Unfortunately, obtaining worker’s compensation can be quite a difficult endeavor. Many people seeking worker’s compensation have to endure lengthy court battles before being given the right to receive it. This is why hiring an attorney who specializes in worker’s compensation cases is very important. Thankfully, many such lawyers offer free consultations and may agree not to charge a client unless a settlement is obtained in court.