Worker’s compensation insurance protects employees who are injured on the job. Most, but not all, employers are required by federal law to carry this insurance, which pays medical bills, rehabilitative services, and lost wages for a person who’s injured while at work or performing duties for the job. If you are injured on the job, worker’s compensation insurance doesn’t automatically kick in. Injured individuals must meet the qualifications to receive coverage and comply with other regulations and requirements. Do you qualify for workers’ compensation insurance? The five signs below indicate that you qualify for workers’ compensation insurance.
1- You Are A Company Employee
Independent contractors typically do not qualify for workers’ compensation benefits, although there are exceptions to this rule. If you are an independent contractor who is injured and feels he should receive benefits, it is best to reach out to a lawyer to handle the matter. Anyone who completed tax information with an employer and receives a paycheck from the employer is considered an employee. Both part-time and full-time company employees qualify for workers’ compensation insurance benefits so long as they meet the other qualifications.
2- Injury was Work-Related
Employees who are injured while on location at the job facility qualify for benefits, but those who are working off-site also qualify to receive coverage in the event of an injury. If the injuries were work-related, you are entitled to receive workers’ compensation benefits, even if the incident did not occur at the actual job site. This includes drivers who are delivering goods and products for the business, transporting clients, etc. Remember, you must report the injury to your supervisor as soon as it occurs. Otherwise, proving the injury occurred while at work may not be easy.
3- You Report the Injury on Time
There are deadlines in place for which to file a worker’s compensation claim. Failure to file a claim by those deadlines may result in the decline of the claim. At this point, you’ll need to reach out to an experienced lawyer to help with the claim. You must also report the injury to your supervisor or manager as soon as it happens. Waiting to report the injury or failing to report the injury at all may also cause a denial. Make sure you are aware of the time limits in place and that you file your claims for benefits well ahead of these deadlines.
4- Your Company Carries Workers Comp Insurance
As mentioned, not every employer is required to carry workers’ compensation insurance, although most are. Traditionally, companies that have five or more employers are required by federal law to carry workers compensation insurance for employees. To qualify for workers comp overage, of course, the employer that you work for must carry the coverage. Verify that the employer carries coverage if there is any question of the coverage in place.
5- You Are a Temporary Employee
Temporary and seasonal employees oftentimes think they do not qualify to receive workers’ compensation benefits and other employer-provided benefits, but that is false. Anyone who works for an employer who is injured at work or while performing work-related duties may qualify for coverage if other conditions are met. The length of time you’ve been on the job or the length of time you’ll remain on the job are not important after an injury.
Rebuild Life After an Injury
Workers’ compensation makes a big difference in the life of an injured employee. The coverage ensures the employee receives the medical care necessary to maintain their quality of life. The five signs above indicate that you may qualify for this coverage if you follow the correct process. Do not let this coverage pass you by if you qualify. It could mean the difference in a full recovery and weeks or months of pain and suffering.