You could receive payment for your medical bills and lost income if your employer has workers’ compensation insurance. Your compensation should be due regardless of whether you were at fault for the injury or not.
If you are eligible for compensation by your employer if you are injured at work, you will receive your due payment. The following are the eligibility requirements for workers compensation insurance:
Employer Must Have Workers’ Compensation Insurance
Most states require employers to have workers’ compensation insurance, and it is the first requirement for you to be eligible for compensation insurance. The laws will vary from state to state depending on:
- The type of business,
- The number of employees and
- Nature of the employees’ work.
Many companies will have worker’s compensation insurance even if they are not required by law to have it. If you work for a company with workers’ compensation insurance, you automatically qualify for work-related injuries.
If you are a federal employee, you should look to the federal workers’ compensation insurance compensation system rather than your state’s laws.
Be an Employee
Not every person who works for a company is eligible for workers’ compensation insurance under the company’s coverage. If you are an independent contractor or freelancer working for a company, you should not expect to receive payment when you are injured on the job.
Therefore, if you want to be eligible for workers’ compensation insurance, you should ensure that you are classified as an employee by the company you work for. It is in writing in your contract. Otherwise, you will be injured in an accident and have to pay for your medical expenses out of pocket.
Injury or Illness Must Be Work-Related
If you want to be eligible for compensation under workers’ compensation insurance, you must prove that your injury or illness was work-related. If you cannot prove that it was work-related, your employer has no responsibility to compensate you for your illness or injuries.
A great example would be being electrocuted while working on electrical lines. Another example would be to fall ill due to chemical exposure at a chemical plant. If you can prove that your injury or illness is due to work-related actions, you are all but assured of workers’ compensations.
Reporting and Filing Deadlines
Meeting all of the above requirements is necessary for receiving workers’ compensation insurance. However, none of them mean anything if you don’t file your claim with your company in due time.
Therefore, to be eligible for workers’ compensation insurance, you should ensure that you report your illness or injury in the appropriate time frame. Insurance companies are always looking for loopholes to avoid paying out claims. You would be wise not to give them one.
The four requirements above are the main ones for you to receive compensation for a work-related injury or illness. They will vary from state to state. However, if you can adhere to the requirements above, you should have a good chance of receiving due compensation.
Contact an Experienced Attorney
If you suffer an injury at work, you should know that you qualify for compensation from your employer. Phoenix Workers’ Compensation Attorneys will let you know that you need to be eligible for compensation for you to get it.