Did you know that overexertion, slips and falls, and contact with objects and equipment are the top three leading causes of work-related injuries?
These workplace injuries are not uncommon and can be a source of immense emotional and economic stress on employees. If you or someone you know has recently suffered a work-related injury know that you do have options available to alleviate your struggle.
This article explores the basics of workers’ compensation, outlining the various benefits available to employees under this type of insurance.
Let’s get to it!
Understanding Workers’ Compensation
In a nutshell, workers’ compensation insurance insures companies or employers against illnesses, injuries, and accidents that arise during the course of employment.
Injured or ill employees are entitled to monetary compensation for their medical fees and may receive a part of their wages while they are in recovery and unable to attend work.
Types of Benefits Under Workers’ Compensation
Workers’ compensation generally covers the four essential benefits. These include:
- Medical fees for tests, screenings, general treatment, physical therapy, and more
- Disability benefits include compensation for up to seven days in cases of minor or temporary disabilities and could extend longer for more permanent disabilities
- Wage replacement benefits including compensation while in recovery
- Vocational rehabilitation, designed to help the injured employee return to work as soon as possible
- Death and funeral expenses and survivor benefits in the event of a fatal injury
These benefits may vary from state to state and policy to policy. Make sure to read the fine print carefully, or consult a qualified workers’ compensation attorney to ensure you get the full extent of your benefits.
How to File a Claim
As an employee, you are required to inform your employer about your injury. This might include filling out the appropriate forms and submitting them to your employer. Do remember that delays in intimating the right authorities might jeopardize your right to claim benefits.
Your employer must provide you with the right information regarding your claim and your rights as an injured employee.
What to Do if Your Claim is Rejected
In the event that your workers’ compensation is denied, it is a good idea to talk to a qualified workers’ compensation lawyer and get legal advice on your next course of action.
An attorney will be able to properly evaluate your case and investigate the reasons behind your rejection, helping you put forth a stronger case for yourself.
Get the Justice You Deserve
Workers’ compensation includes a variety of medical, rehabilitation, vocational, and post-injury benefits for employees injured during the course of their work.
If you or someone you know has been denied their benefits, know that you are not alone and there are still options you can pursue to get the justice you deserve.
Talk to our qualified workers’ compensation attorneys in Wilmington, North Carolina today and get personalized legal advice on your case!