When you are injured on the job, you may be able to recoup lost wages by filing a claim to collect workers’ compensation. Here are some important things to know if you are injured on the job and you are considering filing a claim:
Always report every injury or illness that takes place as a result of your job. Make sure you report it to the appropriate person at your company, such as your supervisor, the human resources department or your risk management personnel.
Visit the medical provider that your employer tells you to go to. In an emergency, you will go where the ambulance takes you, but in a non-emergency, go where your employer directs you to go, otherwise, your bills may not be covered by workers’ compensation
Tell doctors and hospital personnel you were injured on the job. This will set in motion the appropriate paperwork that will send bills to your employer or to the workers’ compensation insurance provider.
Workers’ compensation is no-fault insurance, so you’re covered even when an accident is your fault. However, if you are acting reckless or negligent, in many instances you may not be covered.
You can be paid even if an accident takes place while you are not at your workplace. If you are injured while performing the scope of your job, even if it is not at your primary place of work, then you are covered. You could be on a business trip and get injured in a hotel, or out making service calls and wind up in an auto accident, and so forth.
Don’t do drugs or drink alcohol at work. If you do and you’re subsequently injured, your claim may be denied. Many employers require an injured employee to take a drug test after an accident or injury. If the test comes back positive, your claim could be denied.
You may or may not need an attorney to collect on your claim. States set workers’ compensation claim payouts, so you will get what you deserve for the most part. However, if your employer challenges your claim for whatever reason, it may be in your best interests to retain a lawyer to assist you with a claim and protect your rights.
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