September 29, 2020 07:42 PM UTC

Most Common Workers Compensation Questions

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• by: Phoner

As an employee, you probably want to know how your workers compensation covers you if you get injured while at work. Workers compensation is important insurance that can help you during recovery and keep you from going into debt if you have high medical bills and lost wages. Here are the most common questions about workers compensation to ease your concerns about paying bills after your injury.

What Does Workers Comp Cover?

Workers compensation covers all costs associated with your injury. This not only includes medical bills you stack up during recovery, but you may also have benefits that cover lost wages and ongoing care expenses. In the case of death, workers comp usually covers funeral costs.

Do All Employers Have Workers Comp Insurance?

Unfortunately, not every employer is legally required to have workers compensation insurance. Each state dictates whether employers must have it, and every law is different. First, check to see that your employer has workers compensation benefits. If they do not, look into your state laws to see what options you have. If you run into trouble filing a workers comp claim with your employer, consider seeking out a workers compensation practice Oregon to discuss your rights and next steps.

How Quickly Should You Report an Injury?

Sooner is always better when it comes to reporting an injury. Waiting to tell your employer you’ve been hurt could make it more difficult to file a claim, as insurance may question whether your injury actually happened at work. Check your state’s statutes of limitations for filing a claim, too, as there are usually restrictions on the amount of time you have to file.

What Isn’t Included in Workers Comp?

If an employee is injured during a fight they started, comes to work under the influence of drugs or alcohol or gets injured intentionally, they are not eligible for workers compensation. This coverage is only for employers who are honestly injured on the job.