Most businesses with more than a handful of employees have to carry workers’ compensation insurance. This insurance provides monetary compensation to workers who have been hurt while performing their jobs. Fault does not matter in a workers’ compensation case. Applicants are approved based on the validity of their injuries and the recommendations of the attending physicians. The following are five common injuries that may qualify for such a situation.
Slips and Falls
Slip-and-fall incidents are common customer-related incidents. However, they also happen to employees. These are most common in situations where the employees who clean the bathrooms don’t notify the other employees of the wet surface. Such employees sometimes slip and receive injuries when they fall. If this has happened to you, you may be eligible for a workers’ compensation claim.
Cuts can happen for a lot of reasons. One reason employees get cuts is that they perform certain tasks that have a level of risk. Such employees are supposed to wear protective clothing and gear when they perform those jobs. An accident is likely if they don’t make use of their PPE.
Cuts sometimes occur because of faulty equipment or lack of training that leads to the mishandling of equipment. This can also cause a worker to receive a cut injury. Workers’ compensation also covers these types of injuries, no matter whose fault they are.
Burns sometimes happen when workers aren’t paying attention when handling hot items. They can also occur when workers handle chemicals and do not realize how caustic those chemicals can be. Burns are covered through workers’ compensation.
Sometimes, workers lose limbs when they are working with heavy machinery. Faulty machinery is the culprit in some cases. In other cases, the worker is not operating the machinery as it’s supposed to be handled. This unfortunate incident can fall under a workers’ compensation claim.
Repetitive Motion Injuries
Repetitive motion injuries such as carpal tunnel syndrome and similar conditions can fall under workers’ compensation. Whether or not the employee receives benefits for this type of injury depends on the doctor’s report. Doctors have the right to recommend that employees do light-duty instead of staying off their jobs.
How Workers’ Compensation Works
Anyone who receives a work injury should notify the supervisor immediately. The supervisor will write a report and send the employee to the doctor. The doctor will examine the person and then recommend a treatment plan. He or she will assign a return-to-work date, as well. The insurance company will review the case and decide whether to issue the workers’ compensation benefits. The employee will receive such benefits until he or she returns to work.
Workers’ Comp Versus Personal Injury
In some cases, the worker’s injury is caused because of employer negligence. Such cases may qualify as personal injury cases and workers’ compensation cases. Since a worker cannot file both types of cases, it’s in that best person’s interest to talk to workers comp lawyers to find out which way to go is the best. A personal injury settlement will provide the worker with much more money than a worker’s compensation claim will. The difference can be astronomical. Therefore, it’s recommended that an injury party seek counsel before going after one type of financial recovery system over the other.
Schedule an Appointment for a Consultation ASAP
You may qualify for workers’ compensation benefits if you have received one of the above-mentioned injuries while you were performing your job duties. What you’ll need to do is contact a reliable attorney and request a meeting to discuss your case. You’ll know after the consultation if it’s valid.
Raj Kumar is a qualified business/finance writer expert in investment, debt, credit cards, Passive income, financial updates. He advises in his blog finance clap.