Every state or country has its worker’s compensation laws and policies that are designed to compensate workers for injuries that are related to work. As much as these laws vary from one state or country to another, there are some general principles that are applicable. In this post, you will learn some facts about workers compensation.
Workers compensation facts
Not all employers are required to have this type of policy. Each country has set a particular number of employees a company should have for it to have workers compensation. The number can start from one, but in most cases, it is a minimum of 2 workers. Thus, if you are working in small enterprises, your employer may not be having workers compensation. Also, not all employees are always covered. Some countries recognize that companies need services of “casual” employees and such employees are not included in workers compensation.
No need of proof
In some cases of personal injury, you are required to prove that ignorance of another person caused harm or injury to you. Fortunately, for workers to receive compensation and medical treatment for various injuries they suffered at work, laws exclude them from proving fault. It does not matter whether you were at fault or not, you will receive compensation and medical attention. An employee is only required to prove that injuries that he or she suffered occurred while at the workplace.
Must seek services of medical provider your employee recommends
This may appear unfair, but the insurance company or your employer chooses a medical provider for you. If you refuse to go to that particular medical provider, then you are likely to lose your claim. The law requires that your employer pays all medical bills to the chosen medical provider. If you decide to go to a different medical facility, you may end up paying the bill yourself.
Workers compensation lawyers
There are lawyers that specialize in workers compensation. The majority of these attorneys work on a contingency fee basis. In some areas, the law prohibits lawyers to charge their clients a flat fee when handling these types of cases. By working on a contingency fee basis, this means that a lawyer is paid a given amount, which is a percentage of what the worker gets. If there is no amount of money recovered for a worker, then an attorney is not paid.