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How Does Workers’ Compensation Work?

Workers’ compensation is a state-mandated program designed to help injured workers get back to work as soon as possible. It covers medical expenses, rehabilitation, and lost wages to facilitate the worker’s recovery. In some instances, it might also pay for retraining.

In Arizona, most employers are required to carry workers’ compensation insurance. It is crucial that both employers and their employees understand how this program works. This will help the former avoid lawsuits and penalties. It will also help employees ensure their rights are protected.

In this article, we answer the question, “how does workers’ compensation work?” If you have been injured at work and don’t know your rights, contact a Snow, Carpio, Weekley to speak to the best Phoenix Workers’ Compensation Attorneys.

What Is the Purpose of Workers’ Compensation?

Workers’ compensation in Arizona is governed by the Arizona Workers’ Compensation Act and the Workers’ Compensation Practice and Procedure administrative rules. It is designed to ensure that injured workers receive compensation for their losses without having to file a lawsuit.

In turn, the program also protects employers from being sued by their employees. This, however, is relative to the circumstances of the case.

Who Is Eligible for Workers’ Compensation?

In Arizona, most employers are mandated to carry workers’ compensation insurance. This is usually regardless of whether their employees work part or full time. However, there are some exceptions to this rule.

Workers’ compensation insurance, one, isn’t required for casual workers or independent contractors. It is also not necessary for sole proprietors with employees to take out a cover for themselves.

What Injuries Are Covered?

Workers’ compensation covers most injuries as long as they occurred during the course of employment. It can also cover pre-existing injuries that are aggravated by a job-related injury. This means that you are eligible for compensation if you get injured, or your injuries are worsened by a job-related accident.

That said, mental illness and heart conditions are generally not covered injuries. However, the former might be covered if it is caused by stress related to your job.

What Benefits Are Available?

Workers’ compensation in Arizona covers medical expenses and wage loss. It can also be used to pay death benefits to a deceased worker’s dependents. Generally, wage loss benefits are calculated and paid depending on the nature of your injury.

An injured worker could be eligible for:

  • Temporary partial disability benefits
  • Temporary total disability benefits
  • Permanent partial disability benefits
  • Permanent full disability benefits

Filing a Workers’ Compensation Claim in Arizona

Injured employees have 1 year from the accident date to file an injury claim with the Industrial Commission of Arizona (ICA). On the other hand, employers have 10 days after learning of the injury to file an Employer’s Report of Industrial Injury with the ICA.                                     

Get Help from Expert Phoenix Workers Compensation Attorneys

If you have suffered a work-related illness or injury, you could be eligible for worker’s compensation benefits. You need to report your injury to your employer and have them file your claim. You also need to seek medical assistance from a pre-approved medical provider.

That said, it is not uncommon for workers’ compensation claims to get denied. Some employers might even award you fewer benefits than you deserve. If you feel your workers’ compensation rights are being violated, you should contact an attorney.

The Phoenix Workers Compensation Attorneys at Snow, Carpio, Weekley can evaluate your case to get you a fair resolution. Please contact us online or call us on 877-370-5788.