Workers’ compensation laws are in place to protect American employees from the financial burdens of being injured on the job. According to workers’ compensation laws, certain employers must carry insurance that covers their workers in the event of a work related illness or accident. When someone is injured or becomes ill due to a job related activity, workers’ compensation may provide financial assistance for medical bills, rehabilitation, lost wages, and job retraining, if necessary.
What Should Workers’ Compensation Cover?
Like Social Security, workers compensation is meant to cover individuals who have suffered an injury or illness on the job and is provided by the company with the agreement that the employee is giving up their right to sue the employer. When a person’s job causes them to become injured or ill, they often face both medical bills and a loss of income. For this reason, workers’ compensation can provide financial assistance to a worker that includes:
– Up to 2/3 of original income prior to becoming disabled
– Benefits for dependents of workers who are killed due to a work-related accident or illness
– Medical expenses
– Job retraining
– Compensation for permanent injuries
Because of the way the workers’ compensation system is set up, employees are only being compensation for the losses they have accumulated as a direct result of a workplace injury or accident. Typically, this means that damages for pain and suffering or punitive damages (damages arising from negligence) will not be paid to an employee seeking workers’ compensation.
Additionally, within the United States, workers’ compensation laws and regulations will vary from state to state. Depending on the state in which a person works, this could mean that their company may not be required to participate in the state’s workers’ compensation program or may pay benefits differently. Typically, however, most states have clauses which protect employees from discrimination or termination for applying for or receiving workers’ compensation.
Seeking Legal Help for Workers’ Compensation
When you’ve been injured on the job, it may sometimes be necessary to call upon the assistance of a knowledgeable legal professional to get the compensation you need. A skilled legal professional can make sure your interests are protected when you need workers’ compensation. If your employer is failing to provide you with the appropriate level of compensation or is attempting to deny your claim, an experienced workers’ compensation lawyer will work to make sure your rights are protected and will be able to fight for the compensation you may deserve in front of a court of law.