You go to work each day, expecting that you will be safe while you are there. You may not think about it, but your employer has a responsibility to ensure your safety. This includes making sure that you have access to workers’ compensation insurance in case of an on-the-job injury. In this article, we will discuss your right to insurance and what you need to know as an employee!
If you are injured at work, your first priority should be getting medical attention. Once you have been seen by a doctor and have a diagnosis, you will need to file a workers’ compensation claim. This can be done through your employer or, in some cases, the insurance company directly. Your claim will be processed and, if approved, you will begin to receive benefits. These benefits can include medical expenses, income replacement, and death benefits.
It is important to note that not all injuries are covered by workers’ compensation. In general, only injuries that occur while you are working and that are a direct result of your job duties are covered. This means that if you are injured while commuting to or from work, you will not be eligible for benefits. Additionally, if your injury is due to your own negligence (e.g., you were not following safety protocols), you may also be ineligible.
If you are unsure whether or not your injury is covered, it is always best to speak with an experienced workers’ compensation attorney. They can review your case and advise you on the best course of action.
In conclusion, as an employee, you have a right to workers’ compensation insurance in case of an on-the-job injury. If you are injured, be sure to seek medical attention and then file a claim with your employer or the insurance company. If you have any questions about whether or not your injury is covered, speak with an attorney for guidance.
Thank you for reading! We hope this article was helpful in understanding your rights as an employee. If you have any further questions, please do not hesitate to reach out to us. We are here to help!
William Nuttall has been working in Human Resources for about 10 years. He believes that everyone should have the profession they would enjoy. Because of that, he conducts career seminars in high school and colleges. He is currently living with his wife and two kids.