One day when I was driving on the freeway, I was completely blindsided by another car pummeling down the hill. I didn't know what to do or what went wrong, but I knew things were bad. I couldn't feel my feet at first, and my face was covered in liquid that turned out to be blood. When the ambulance arrived I could see the concern on their faces, and it was frustrating to know what was about to come. Fortunately, I was able to get great medical care, and talk with a personal injury attorney that helped me to sort out everything else. Read this website to find out how accident attorneys can help you to make a difference in your own life.
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Being hurt on the job and unable to work is a demanding time in anyone's life. Fortunately, there is a system called workers compensation to help you through this stressful period. Many workers, however, know very little about this particular program. The following article highlights some of the facts every worker should know about workers compensation.
Definition
Workers compensation is an insurance program that the federal government requires every state to enact. The employer pays a premium so that they are covered in case a worker is injured on the job and needs financial assistance. In most instances, employees covered by workers compensation give up their right to sue the employer in case of an accident. The rules and regulations for the program can be quite complex and vary from state to state.
Benefits
Workers compensation insurance offers workers several types of financial benefits. It covers the cost of your medical bills that are directly related to your injury. This can include rehabilitation benefits.
It also offers compensation to replace your lost wages. Typically, this will be two-thirds of your normal wage. You will receive compensation for your wages until you are able to return to work. If you are not able to return to work, you will receive permanent wage compensation, although some states may put a cap on this amount.
If an accident on the job results in a fatal injury, then your immediate family will receive financial compensation based on a percentage of your earnings.
Illness
In some cases, you may be able to receive workers compensation because of an occupational illness, rather than an accident, at your workplace. An occupational illness is one that is directly related to your employment.
For example, if you are a nurse working in a hospital and have regular contact with tuberculosis patients, you may be eligible for worker's compensation payments if you come down with the disease yourself. If you are a grocery clerk who comes down with cancer, however, you probably would probably not be covered by the program because there would be no evidence that the illnesses was related to your job.
The workers compensation program is an extremely important one as it provides a way for both employers and employees to address the issue of assisting workers who become disabled on the job. The rules of the program are complicated and it is difficult for any employee to navigate the system by themselves. If you need to apply for workers compensation, contact workers compensation attorney services in your area.
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