Worker’s compensation is an accident insurance program which may cover an employee’s medical, rehabilitation and income benefits, if they are injured on the job. It also provides certain benefits to the dependant in the case of a worker’s death as the result of job-related injury. The benefits are provided in an attempt to help the workers return to work.
Every state and the federal government have a workers’ compensation. The laws and procedures, however, differ from state to state.
There are three basic eligibility criteria for workers’ compensation benefits:
Company Must Be Covered By Workers’ Compensation:
It must be hard to believe but not all company or employers are required to have workers’ compensation coverage, owing largely to the reasons depending on the number of employees the company has, the type of business it is running, and the job profiles of the employees in the company. Some states require only employers with at least workers to be covered. This however varies and most states don’t set a minimum at all. While some states allow charities to opt out of the rule, other states are strictly against it. The vast majority of employers are required carry the coverage. Therefore, it is utmost important that a worker should check with an attorney, should the employer claim not to be covered by state workers’ compensation insurance.
Workers must be an employee of that employer or, company:
Not all workers are eligible under workers’ compensation statute. Independent workers are not employees of a company and hence are not entitled to the benefits. Similarly, freelance writers or computer consultants are not favored by the worker’s compensation eligibility. In order to get all the advantages of the worker’s compensation insurance, one must be an employee of that employer or, company.
Injury, mishap or illness must be work-related:
The employee is eligible for the perk only if the injury or illness is work-related. Consider this: if the worker is doing some work for the benefit of the employer and is injured or turned ill as a result thereof, then it’s work related. Let’s take a look at some other examples: The ache in the back while a worker is loading boxes as a part of warehouse job, developing carpal tunnel syndrome while typing on the job or illness due to exposure to chemicals at the work site. All these injuries are work-related.
Workers compensation doctors Colorado suggest that additionally, there are certain specific rules for domestic workers, agricultural workers, farm workers, and casual or seasonal workers.
While States, including California, Arizona, Montana, Florida, Nevada, Texas, Utah, new York have are expressly open to cover undocumented workers in their workers’ compensation statutes, other states, such as Idaho and Wyoming exclude undocumented workers.
The workers’ compensation laws generally provide injured employees with weekly compensation, permanent impairment benefits, payment of medical treatment and vocational rehabilitation.
If you get injured while at work, and your employer is ready to provide medical benefits, we suggest you get in touch with pain management Boulder today for the necessary treatments – all under one roof.