Featured Article - Get the Benefits You Need
Getting injured on the job can
be devastating physically, emotionally, and financially. Each of the
50 states has laws to protect you in the event you have been
injured
on the job.
Workers Compensation
laws are designed to protect both the employee and the
employer in the event of an injury on the job. State workers compensation
laws provide guaranteed coverage to employees
for medical care related to their injury and, in many cases, provide
guaranteed compensation during and after the recovery period.
Employers are protected against lawsuits brought about by employees
that have been injured on the job. Workers Compensation laws do not
allow an injured employee to bring suit against an employer provided
the injury occurs without involving negligence.
There are some basic steps that you need to follow in almost every
state (see specific state laws here).
1. Report all injuries to your employer immediately or as soon as
reasonably possible. Most states have time limits for you to report
to your employer.
2. Seek necessary medical care. Many states allow employers to
provide a panel of specific care providers that you must utilize for
your treatment. Be sure to check the laws of your state.
3. Comply with all restrictions placed upon you by your medical
provider. You may jeopardize your benefits if you fail to comply
with medically advised restrictions.
4. Cooperate with your employer's insurance carrier. Although
insurance companies are paid by the employer, they have the
obligation to follow the laws that are in place to protect your
rights. You should be contacted by the insurance carrier within a
few days of your injury.
5. File necessary claim forms. Many states will require an injured
employee to file a claim for benefits. See specific state
information for appropriate methods at www.injuryonthejob.com.
6. Keep all medical appointments as scheduled. You are the biggest
factor in your recovery process. Keeping your medical appointments
will also show that you are serious about recovery and adds validity
to your claim.
7. Participate in light duty or modified duty programs established
by your employer. Failure to comply with these programs may result
in a loss of compensation benefits related to your injury on the
job. The goal is to return you to regular duty as soon as medically
possible.
An attorney is not required to file a workers compensation claim.
Many workers compensation departments will assist employees with the
process of filing a claim however, if at any time you feel that you
are not receiving the proper care and compensation that you feel is
appropriate, it may be time to contact a
workers
compensation attorney.