When you own a business, it’s important to know all about workers compensation insurance. When you have employees and one of them has an accident at work, the cost of their medical bills can be covered by the workers’ comp insurance policy. You might want to have workers compensations lawyers to work out all of the issues around the insurance and to make sure it’s always in place and ready in case of an accident.
These attorneys all know what a workers compensation claim must include in order to have it go through the insurance process after an accident. The accident at work compensation claim needs to be done in just the right way to get the insurance company to pay for the employee’s costs after they have been injured. This often includes the wages they lost while they were healing and the medical bills they incurred. This may also include legal fees.
When you have employees, you are likely legally obligated to have workers’ comp insurance for them. Many states require this coverage, and this may be required if you have a certain number of employees at your business. When they are covered by this insurance, your company is also protected from having to pay those bills.
There are many job fields where the danger of work-related injuries are more common. The industrial field is infamous for having various safety risks, although they do take all possible precautions to prevent injury. However, accidents do happen and sometimes a worker gets hurt to the point where they have to take time off work.
If you have been injured on the job, or want to know what to do if you ever are, then continue reading for information on how to file a worker’s compensation claim.
Immediately Report the Injury
Before even getting clinic care the first thing you need to do is report the injury to your management. Not only will this allow them to get you help, but it will assure that they have a record of the injury happening on the job. This is crucial when it comes to worker’s comp claims.
Get Clinic Care
The next step is to get some kind of medical treatment for the injury. The treatment will vary depending on the type and severity of the injury. If it’s not life threatening and doesn’t require immediate emergency care, you can visit an urgent care center to receive treatment. The papers you receive from your assessment and treatment will be further proof that you were injured on the job.
File the Claim
Depending on what state you live in, filling out the injury report at work may be the beginning of filing your claim. Your employer can submit the report to their insurance company and to your state’s worker’s compensation agency where the process will start without you having to do a thing. However, if you’re unsure about your state’s procedures you can reach out to its worker’s comp agency to find out if there is any additional paperwork you need to do.
Document Everything
Make sure you hold onto all paperwork that proves your injury took place and that it happened at work. If for some reason your employer or their insurance agency tries to skip out on giving you your compensation these will come in handy. The best thing you can do in the event of a work related injury is to be honest and thorough.