Sustaining a work injury for the first time can be frightening. You will probably worry about your future with the company and the actions you should take to protect your job and your family. The following are top questions to ask after you get injured at work:
What Benefits do I Qualify For?
The first question you will want to ask if you receive a work injury is about the benefits. The states require most employers to offer worker’s compensation, which is a special benefit for injured workers. The benefit covers medical expenses, lost wages and health benefits while the worker is unable to perform the necessary duties. If the company you work for employs more than 50 people, chances are high that it offers this benefit.
Am I Eligible for Workers’ Compensation?
The next question to ask after you find about workers’ compensation and any other benefits the employer has in place is about eligibility. To qualify for worker’s compensation, you must have received your injury while you were performing a job duty. Some states allow workers to receive the benefit even if they are not at the job site at the time of the injury.
What Type of Injuries Does Workers’ Compensation Cover?
You need to ask about the injuries that the insurance policy covers. Workers’ compensation usually covers such injuries as broken bones, burns, cuts, bruises and more. Some states cover psychological and emotional trauma if it stems from the initial injury. For example, you may be able to collect workers’ compensation benefits if you were traumatized by the fall that broke your leg at work. Additionally, occupational illnesses and communicable diseases sometimes qualify for workers’ compensation. Qualification for such benefits varies from state to state. Your employer or the state website could help you to gain some clarification.
Will I Still Have my job When I Recover?
Terminating an employee for filing a workers’ compensation claim is unlawful. The doctor will specify the amount of time that you need to stay out of work to tend to your injuries. The employer must not terminate your position during this period. If the doctor prescribes lighter duty for you, however, then the employer can change your role or position for the specified period.
How do I File a Claim?
Each state has a different process for filing workers’ compensation claims. Some employees go through the employer while others can open a claim online. The most important step in the process is reporting it immediately. The moment you have an accident, you must notify the supervisor. Then, you must see a doctor for a diagnosis. The doctor’s determination will have a great deal to do with your claim and whether or not the insurance company approves it.
What if my Claim is Denied?
If your claim is denied, then you have the option to file an appeal. An attorney can help you to file an appeal. In some situations, you may be able to hire an attorney for personal injury.
Do you need legal help for an injury? Contact us today.