A Simple Guide To Workers' Comp

As an employee, it is a good idea to learn the basics of worker's comp just in case you should end up getting hurt on the job like so many people do each and every day. This way, you will be educated on the subject, which is always a good plan, even if you never find yourself in the position of needing to file a worker's compensation claim. Here are the basics of workers comp that you want to know about:

Certain requirements must be met to file a workers' comp claim

Before you follow through with filing a workers' comp claim, you want to first make sure certain things are true. The things that you want to be able to answer yes to include:

  • You must be an actual employee of the company to be eligible to file a claim
  • The employer you work for has workers' comp insurance
  • You were hurt while you were performing job related duties

If you were hurt and all three of the above statements are true, then you want to file a workers' comp claim. Workers' comp can really help you while you are healing up from the injury. You will receive payments while you are unable to continue your job duties due to your injury. You can even learn retraining if you will no longer be able to go back to the type of work you were doing before you ended up getting hurt on the job.

Some injuries won't be covered

There are some types of injuries that won't be eligible for workers' comp insurance. However, if you were hurt on the job, it's best to confirm if you're not eligible to receive workers' comp from an attorney, since there may be extenuating circumstances. Here are some of the things that can cause you to have your workers' comp claim denied:

  • Injuries that were inflicted on yourself, by yourself
  • Injuries that occurred when you were playing around on the work premises
  • Psychiatric injuries
  • Injuries that happened while you were under the influence of anything that alters your mind
  • Injuries that happened while you were doing something illegal on the job

If you feel that you may have a workers' comp claim, it's always best to contact a workers' comp attorney to help you with the process and so you can avoid doing things wrong in the beginning stages that can affect your claim negatively.